Turning the equity in your home into cash is easy with a Home Equity Loan. We can provide no-cost second lien mortgage loans behind your existing first lien mortgage loan or when appropriate we'll provide you with a new first lien mortgage to payoff the outstanding balance on your existing mortgage and additionally provide you with the additional cash you're seeking.

Liens against your primary residence (homestead) cannot exceed 80% of the value but loans secured by investment propertiets can receive up to 100% of the value of the property.

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We offer a variety of home improvement and construction loan programs that can satisfy the requirements of every consumer. Unlike the larger national lenders and banks who treat loans for improvements just as they would a home equity loan, our company has the expertise to do these loans THE RIGHT WAY.

Many lenders will limit your maximum loan amount to an 80% loan-to-value ratio in the same manner that they would on a Texas home equity loan. WRONG! A mortgage loan for home improvements is not subject to the limitations of a home equity loan if it processed and closed in the correct manner. Our in-house legal department has the expertise to get these loans done. So we can do LTV ratio's up to 100% in some cases.

Another mistake often made by the other guys is they obtain an appraisal based on current condition. On some of our home improvement loan programs we can utilize the additional value which the proposed improvements will contribute to the overall value of the property. This can often improve your pricing and the maximum amount we are able to lend.

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