Home Equity Loan and Refinance Rates for Less than Perfect Credit

Home Equity Loan

Get a Fast Quote for a Second Mortgage!
The fast way to get custom quotes from multiple mortgage lenders.

Home Equity Loan Rates
Find the best interest rates from thousands of lenders and brokers across America...

Home Equity Loans
Find the perfect home equity loan in your state. Choose from fixed or adjustable rates.

Home Improvement Loans
The best rates to REMODEL with up to 125% of your home's value.

Debt Consolidation
Make your home equity work for you and pay off bills today.

Equity Line of Credit
Convert you home's equity into instant cash, even with less than perfect credit.

No Equity Loans
Easily qualify with low down payments.

Less than Perfect Credit Financial Rates
If you have less than perfect credit click here to see "subprime" refinance mortgage rates.

Find a 2nd Mortgage Lender
Find lenders and brokers with the best rates for a home equity loan.

Second Mortgage Information
Find out how to negotiate the best refinancing deal with these insider tips.

Home Equity Loan Calculators
Find out how much you will save with these financial calculators.

This site has been designed to help people find the best home equity loan available. We are not a broker or lender and have put together this free information to make it easy to find the best home equity loan.

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Home Loan Equity Comparison

Find the most favorable mortgage rates offered by lenders who specialize in helping those with less than perfect credit.

Home Equity Loan Refinance Tip

Credit Scoring
IMPORTANT: Your credit score will affect your mortgage rate... the higher the score, the better the interest rate.

If you have recently obtained your credit report and you are not happy with what was reported, you can take steps to correct the erroneous information on it in order to get a better mortgage rate. There are also proactive things you can do to improve your scores, if you are anticipating applying for a mortgage anytime soon.

The first is the most obvious. Pay all your payments on time. The second is, don't apply for any new credit unnecessarily. Everytime you sign and return a new credit card offering, or open that second account at a department store because you get a 15% discount, an inquiry will be generated and that will reduce your score. The third is, if you must maintain credit card balances, try to keep them at a level that is 35% - 40% of the maximum credit limit. In other words, if the credit limit is $1,000, try to keep your running balance below $400. Believe it or not, consolidating all your credit cards onto one can hurt you, if the balance is at the credit limit. The fourth is, if you get into a dispute with the phone company and it isn't a huge amount, pay it and move on. Having one or more collections, even if they are small amounts, can really hurt your score.