Equity Financial Group: Full Service Residential and Commercial Mortgage Company

Purchasing
Whether you are purchasing New Construction, Resale Property, Your First Home, or Investment Property, Equity Financial can assist you in the option best fitted for your needs. We can fund your real estate needs with numerous and unique mortgage loan plans. From conforming 30-year fixed rates to as low as 1% start rates, we can assist any buyer with almost any credit rating, up to 100% financing, if required. We also have special first-time home buyer programs along with Seller-assisted financing programs.

Refinancing
If you are looking to lower your mortgage payment, Equity Financial has a multitude of mortgage plans that can usually reduce the average consumer’s payments by about half their current payment. We have bi-weekly payment plans, which typically reduce a 30-year mortgage to 23.5 years, to option ARM’s (Adjustable Rate Mortgage) and “pick-a-payment” plans that can encompass any consumer’s needs. Whether you want creative financing to help better your cash flow, or simply better your current rate and term, Equity Financial can assist your financial needs.

Cash-Out Refinancing
With loan programs up to 100% financing, Equity Financial can help the consumer turn the equity in their property into cash in their hand. Our theory is simple, if you can use the equity in your property to invest in an opportunity which profits more than the cost of the equity, the choice is simple. If your opportunity cost of using your equity to simply better your life outweighs the cost of the equity, the choice is simple. Let Equity Financial show you different options for making your equity more valuable to you.

Debt Consolidation
Most credit card rates and automobile loans typically have higher rates than home loans. Consolidating your debt by using you home’s equity is mathematically the smarter way to pay. For instance, a typical car loan is amortized over 5 years, whereas a typical home loan is amortized over 30 years. Even if the interest rates are equal, simple math tells us that if you have 6 times as long to pay something, your payment would be 1/6th of its current amount. It’s much easier to make a $100 per month payment, than a $600 per month payment. Let us explain to you further.

Home Equity Lines of Credit
Have equity in your home, don’t really want to use it, but would be nice to access it if you needed, then a HELOC is right for you. A Home Equity Line Of Credit is perfect for the savvy borrower who wants liquid access to what they already own. HELOCs are the perfect way to borrow untapped equity but not pay ridiculous credit card interest rates. Think of it as money when you need it, without the stress of high interest payments.

Consumer Installment Loans
Equity Financial has the ability to lend its own money, typically secured through real estate, to a qualified consumer. What makes us unique in this area is that Equity Financial allows the consumer to choose the rate and frequency of payments they want, based on their capacity to pay, collateral, character, and credit. Typical loan sizes range from $3,000 to $40,000 per consumer. Find out more about our in-house underwriting today.

Signature Loans
Equity Financial has the ability to lend its own money, unsecured, to a qualified consumer. This product feature is nice for a qualified consumer that is looking for a small amount of money, typically less than $3,000, at a reasonable rate and within 24 hours. This is not a pay-day or title-type loan. Talk to our team today to find out how to qualify.

Commercial Loans
Our commercial loan division is equipped with access to over a billion dollars in funds. Our commercial division has experts in New Development, 1031 Exchanges, Office, Industrial, and Retail Real Estate, Apartment Complexes, Conduit Financing and SBA-assisted Financing for both Purchasing and Refinancing. With investor loan programs up to 107% financing, and terms over 30 years, Equity Financial can assist even the most confident investor.

Business Lines of Credit
For the business owner that may need quick capital for payroll, taxes, equipment, or other resources, Equity Financial can help with a business line of credit. We have programs for getting unsecured as well as secured financing to assist you in your daily business needs. Typically, we can secure credit lines of up to 10% of your business’s annual gross revenue without much resistance. We can also help secure financing for business growth as well as acquisition. Give us a call to let our business help your business.

Factoring
Equity Financial will buy your receivables to get you cash in your hand quicker than expected. Our underwriting department thoroughly reviews your accounts to determine a value that is acceptable for you. We are not a collection agency, but we will factor your assets without discounting extraordinary loss to you, the consumer. Our niche works well with the self-employed, such as real estate agents, for example, wanting an advance on their commissions. Call us to see if we can help you.