Home Equity Loans

"You are unique,
...so are your mortgage needs"
858.485.0462
Mortgage Consulting Since 1983

Home Equity Loans

Design your own loan for Debt Consolidation and/or Home Improvement!

Consolidate high interest rate loans
Payoff credit card & department store cards
Payoff auto loans, student loans, medical bills
Make home improvements
Get cash out for most any purpose

Our uniquely designed loan programs will allow you to do all things you have been dreaming about and roll them all into One Easy Payment even if you have little or No Equity in your home. In many cases you can cut your bills in half!!!

Home Equity Lines of Credit

A Home Equity Line of Credit (Heloc) allows you to write checks against your home’s equity. You obtain a “line” amount and you can draw against that line whenever you need funds. Helocs are generally priced in relation to the prime rate and the rate you pay will depend upon your home’s equity, your credit score and other factors.

Helocs provide great flexibility. You gain purchasing power and are only required to make a minimum interest payment each month for the funds actually used. You may pay part or all of the line balance at any time.

It is recommended that you consult a Tax Advisor regarding the tax deductibility of the interest on this loan.

Thom MacFarlane - Mortgage Banker/Broker
16787 Bernardo Center Drive, #10    San Diego, CA 92128
NMLS # 2802091     Calif. DRE Broker #01210469
Phone: 858-485-0462   Fax: 858-485-7292
E-mail: thom@sibloans.com