Financing your journey through life can get expensive, and excess debt can quickly weigh you down. Consolidate multiple debt payments–credit cards, car loans, and more–into one to help relieve some of the burden. Work with an Empeople lending expert to explore how you can leverage the equity in your home to forge a new path toward debt repayment.
EZ Equity
- One-time lump sum
- Fixed-rate loan payments
- Secured by your home
- Repayment term of up to 10 years
- No additional mortgage insurance costs
- No prepayment penalty
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Home Equity Line of Credit
- Line of credit you can access over time
- Adjustable rates
- Secured by your home
- Quick access to funds
- Interest-only payments for 120 months
Talk to an Expert
Call us at (800) 338-6739 to speak with a HELOC expert or send a message with the form below and we’ll contact you about a HELOC.
Cash-Out Refinance
- One-time lump sum
- Refinance your existing mortgage to a new loan
- Secured by your home
- Variety of terms available
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5 best HELOC uses that are outside the box
Most people think of a home equity line of credit (HELOC) as a tool for big, planned expenses like home improvements, paying down debt or covering college costs. Those are all smart uses. But if you’ve built meaningful equity in your home, you may have more flexibility to use HELOC funds than you realize. While you can technically use a HELOC for almost anything, that doesn’t mean you should. […]
The best way to build credit when you don’t need to borrow money
You’ve done the hard part. You’ve built up savings, organized your credit union or bank accounts and created some financial stability. But there’s one piece missing: your credit history. If you’ve never used credit before, it can feel like a catch-22: You need credit history to qualify for credit cards or loans — but you need credit cards or loans to start building credit history in the first place. But if you’ve already been investing in your financial health, you’re in a […]
Top 5 mistakes that can derail your mortgage application
You’ve found the house. You’re ready to apply for a mortgage. Everything seems to be moving forward — until your lender quickly needs additional documents, delays closing or tells you that something in your financial situation isn’t adding up. Situations like this are more common than many buyers expect. If you’re still early in your real estate journey, and especially if you’re a first-time homebuyer, start by making sure you understand mortgages and the steps to buying a house. This […]
How much mortgage can I afford?
Buying your first home is exciting — and a little intimidating. You might already have a sense of what homes cost in the area you’re hoping to buy in, what you’re currently spending on housing and even current mortgage rates, but translating that information into a monthly mortgage payment you can afford can feel like a leap. The good news: […]