First Trust Deeds | Fixed /Adjustable Rate | 2nd Trust Deeds | Home Equity LOC
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Whether you are a first time home buyer, a seasoned home owner wanting to refinance your home, or just looking to take advantage of the equity in your home, E-Central can help you with an affordable, flexible program.
We understand that buying your home is one of the most important financial decisions you will ever make. That’s why it’s critical for you to choose the right and best loan option for you. We’ll help you determine the loan that meets your individual buying needs to fund your dream house. Take advantage of our:
- Low rates (fixed/adjustable)
- Low closing costs
- Superior personal service
- Flexible terms
- Fast and easy application process
Click here to download a loan application now.
Fixed Rate
Enjoy monthly payments that never change. Choose a 15- or 20-year term for faster payoff, or a 30-year term for a lower monthly payment.
Adjustable Rate Mortgage (ARM)
Our adjustable rate mortgages or "ARMs" offer the benefit of a lower introductory rate which can help you qualify for a larger home. Yearly and lifetime rate caps keep your payment affordable. The options are almost limitless!
Second Trust Deeds (fixed rate)
The equity in your home can be used for almost any purpose imaginable. This loan is an excellent choice for debt consolidation, home improvements, purchase of a new car, RV, or whatever you choose. It provides competitive rates, easy application, and low fees with terms up to 15 years. As an additional benefit the low interest paid on this loan may be tax deductible. Please consult your tax advisor.
Home Equity Line of Credit (HELOC)
Using the equity in your home as collateral for a loan can be the best choice you make as a homeowner. You get a much lower rate than unsecured loans and credit cards. Leveraging the equity in your home is a great way to fund your home improvement projects, pay for your dream vacation, or consolidate your debt. The interest you pay is generally tax deductible (consult your tax advisor), making a Home Equity Loan a smart choice over traditional loans.
- Low rates
- Up to 90% loan-to-value (LTV)
- 5 year draw, 15 year repayment term
- Free convenience checks
- Free cash advance
- Low minimum monthly payment (1% of balance owed)
- No fees (requires an initial advance of $25,000)
It’s easy to get started. Just give us a call at (626) 799-6000 and our loan professionals will guide you through the process. We are here to help!
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