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Home Equity Loan Center

A home equity loan is a loan that uses your home as collateral. Your home equity is the part of your home that you actually own and this is the guarantee for your loan.

Home Equity Loan Glossary

A B C D E F G H I J K L M N O P R S T U V

Debt— Money owed to another party.  

Debt Consolidation — Paying off multiple bills and replacing them with one, easy-to-manage payment. 

Debt-to-Income Ratio — Total monthly loan, mortgage and credit card obligations divided into Gross Monthly Income. 

Deed of Trust — See Mortgage .  

Default— Failure to repay a loan or otherwise meet the terms of a loan agreement.  

Delinquency — Failure to make payments on time.

Equity— Market value of real property, less the value of all existing liens.  

Express Equity Loan — Our fastest and easiest loan available. A real estate secured loan that allows you to borrow $5,000 - $35,000. No home appraisal or income verification is required .

Finance Charge— The cost of credit expressed as a dollar amount. 

Fixed-Rate Mortgage— A mortgage on which the interest rate is fixed for the term of the loan. 

A B C D E F G H I J K L M N O P R S T U V

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