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Home Equity Loans

Fixed Second Mortgage - 125% Home Loans is the online marketplace where mortgage lenders provide better home financing options for savvy consumers seeking loans for cash out, refinance and debt consolidation. We offer wholesale interest rates for homeowners looking for a home equity loan online.

Don't wait any longer! There's no better time than now to use historically low interest rates to your advantage! If you're looking for a way to consolidate high-interest debts, fund home improvement projects, or finance large purchases like a vacation or a child's education, we can give you a home equity loan that will work for you!

Home improvements such as room additions, kitchen remodeling, and adding new pools, roofs, or landscaping can greatly increase the value of your house. Not only that, they improve both the comfort and aesthetics of your home! You could even cash out and use the funds to finance education or take that much-needed family vacation. There are many options, and we are here to help you find home equity loans that are affordable!

Our primary goal at Mortgage Loan Outlet is to offer the best financing options for homeowners, at a rate that they can afford. Since we have a long history of matching clients with loan packages that work for their unique needs, we can help you find a Home Equity Loan that works for you! If you have low fico scores, think about refinancing with bad credit scores from the lending team at

Home Equity Loan FYI

Shopping Sensibly
Some home equity loans have hidden costs. For example, 125 percent loan-to-value (LTV) loans have higher interest rates than conventional home equity loans or second mortgages, and not all the interest is deductible. You risk owing more on your home than it's worth, which causes problems if you have to sell.

Also, you may pay as many as four points to close the loan, which can offset a low interest rate. Most home equity loans are also adjustable, so you could pay more if interest rates rise. Look for these potential pitfalls and weigh your savings when comparing home equity loans or second mortgages.

Deductive Reasoning
Not all interest on home equity loans is tax-deductible, especially on 125 percent loan-to-value (LTV) home equity loans (second mortgages for up to 25 percent more than your home's market value). Consider your real tax savings carefully:

You'll need to itemize your tax return in order to claim any interest deduction.

You'll have to limit deductions to $100,000 on home equity loans (unless the money is used for home renovation).

You can't deduct interest on amounts over your home's market value--the IRS won't allow it. This means on 125 percent home equity loans, you can deduct only the portion secured by your actual home value.

Freddie Mac's weekly survey of mortgage rates released Thursday showed that rates on 30-year, fixed rate mortgages averaged 4 percent for the week ending November 6th.

For most of 2011, rates on benchmark 30-year mortgages averaged 4.25% percent, second only to last year's 4.125 percent, the lowest annual rate in Freddie Mac's record keeping.

Take out a Home Improvement loan and make those cosmetic changes that you've been talking about. In most cases, making home improvements increases the value of your property. Home Improvement Loans!

"No Income Verified" Debt Relief Programs - Is your income difficult to prove? We have debt consolidation mortgage loans that do not require the standard income documentation. (like W2's)

Do you have Less-than-perfect credit? - We specialize in debt consolidation loans even if your credit is in "the rebuilding phase".

Bankruptcy or Foreclosure - Even if you've had a bankruptcy, or foreclosure in the past, we will do our best to get you qualified for a debt consolidation loan.

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