2nd Mortgages and
HELOCs in Oakhurst

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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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Granite West Funding, LLC is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.

Melissa De Graaff

21:27 17 Oct 24

We cannot say enough wonderful things about working with Eric Wood at Granite West Funding. We went into the situation not knowing much about the process. Eric helped us (while educating us) every step of the way!! We highly recommend Eric and his entire team, they were all fantastic, hardworking and a very kind group of people!!

Krissi O

13:52 08 Jul 24

Granite West has been our "go to" on several occasions and never disappoint! Quick results and always professional! Highly recommend!!!

Tammi Chumney

17:22 14 Feb 23

My husband and I just bought our first investment property and it is fabulous!!It was a very unique situation that demanded a lot of precise attention to details. Eric Wood was there every step of the way! Him and his team at Granite West funding are amazing professionals and very kind hearted people to work with. :) I just can’t say enough about our seamless experience with Eric Wood. Thank you to Jackie as well! We will be a regular clients for future investments and lending needs. Big thank you to you all from the Chumney’s!!

Sherry Andersen

01:02 10 Feb 23

We just finished a deal with Eric Wood and he was great to work with. He was extremely helpful and always responded quickly to our calls, texts or emails. I have worked with many people in the lending industry and can tell you that everyone at Granite West Funding is good at what they do. They had several options available for us and they handled our financing as if they were doing it for themselves or a loved one.Thank you Granite West Funding for making each of our transactions go quickly and smoothly!

Melissa McGregor

15:23 18 Nov 19

We recently executed a long distance purchase of a Condominium at Bass Lake, from the Los Angeles area. Granite West Funding handled our funding and walked us through the process via phone calls, text messaging and e-document signing, all of which helped get us closed in 30 days. Even with a snafu in the execution of escrow, Granite West Funding went above and beyond to resolve our problem in a more than satisfactory manner! These professionals care about their clients and their business reputation, and it showed! Thank you Granite West Funding!

2nd Mortgages andHELOCs in Oakhurst