Tell us the property and what you are trying to accomplish. We will shop your scenario across our lender network and come back with the programs you actually qualify for, not one rate from one bank.
Keep your low first mortgage — tap equity with a HELOC or fixed second
Self-employed? Qualify on bank statements, P&L, or 1099 income
Investors welcome — DSCR, bridge, fix & flip, and commercial
You tell us the property and what you are trying to do. We compare your scenario across our lender network and come back with the specific programs you qualify for, with real numbers, instead of a single rate quote from a single bank.
No. Most homeowners who come to us want to keep the low first mortgage they already have. A HELOC or a fixed second mortgage lets you access your equity while leaving your first mortgage completely untouched.
Yes. Self-employed borrowers are one of our specialties. Bank statement loans, profit and loss (P&L) loans, and 1099 income loans all qualify you on real deposits and business income rather than tax-return income alone.
Reviewing your options does not require a hard credit pull. We can walk through programs and estimated numbers first, and only move to a full application once you decide something is worth pursuing.
The form takes about 60 seconds. A licensed loan officer typically comes back the same or next business day with your options. On equity products, funds can be available in as little as 5 days.
Program availability depends on credit, income, property type, and state. CTC Equity is a DBA of EMortgage Capital, Inc. (NMLS #1416824).