Call Us At: 559-540-2275 Apply Now
Call Us At: 559-540-2275

2nd Mortgages and
HELOCs in Oakhurst

FREE Mortgage Rate Quote

If you need some extra money to help you cover expenses, you may be looking for a way to tap into the equity you have built up in your California home. At Granite West Funding, we offer both second mortgages and home equity lines of credit (HELOCs), providing you with the flexibility to choose a product which is right for you.

What Are Second Mortgages and HELOCs?

With a HELOC, you receive a revolving line of credit. You can use it in a manner similar to how you would use a credit card.

A second mortgage is a product which likewise helps you leverage your home’s equity, but as a lump sum rather than a line of credit.

What Are the Benefits of Second Mortgages and HELOCs?

If you are eligible for a VA mortgage in Oakhurst or elsewhere in California, these are the advantages you can expect:

Access the equity in your home to help you fund home improvements and other expenses.

Choose a disbursement form which is most suitable to you (lump sum or line of credit).

A range of loan terms is available so that you can repay on a schedule that meets your requirements.

With a HELOC, you can borrow to a limit as high as 90% of your home equity.

These two types of loans usually have competitive interest rates and may lack some of the fees which would be common with regular lines of credit.

Do You Qualify for a Second Mortgage or HELOC?

To be eligible for a HELOC or second mortgage, you must:

Own sufficient equity in your home to borrow against.

Document steady employment.

Show a competitive credit score and debt-to-income (DTI) ratio.

Other aspects of your financial history may also be assessed.

Apply Now for a HELOC or Second Mortgage in CA and Get the Money You Need

If you are ready to tap into your home equity through a second mortgage or HELOC in California today, please give us a call at 559-540-2275. We look forward to discussing your goals and connecting you with the right product during your free consultation.

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Amid global concern about COVID-19, we will continue to be here for our customers.
 
As people and companies all across the country take additional preparations to protect against the Coronavirus (COVID-19), we acknowledge that your house cleaning concerns will likely not be taking a break. At this time, we will remain open full-time and will continue to service our customers with the same fast response times you’ve come to expect from us. However, we are currently only meeting with clients face to face by appointment only.  We will have our office door locked to limit walk in traffic, so please call in order to set an appointment if needed.
 
Due to the increasing number of reported cases in the U.S., we are continuously monitoring the situation. We will also continue to actively assess the necessary actions we need to take in order to ensure the health and safety of our customers, employees, and their families. We hope that you will join us in taking some basic and important measures, such as frequent hand washing, to keep communal risk low.