Hot Loan Product #5

2025 Equity Line of Credit – No Hoops, Just Easy Financing!

Looking for flexible financing without the hassle? Our Equity Line of Credit for 2025 offers a simple, hassle-free Stated Income, Stated Assets (SISA) loan program—perfect for homeowners and business owners in California.

Why Choose This Loan?

✅ Easy Qualification – No need to jump through hoops!
✅ Flexible Loan Amounts – Borrow from $300,000 to $5,000,000.
✅ Competitive Rates – Enjoy rates ranging from 8.99% to 11.5%.
✅ Use What You Need – Only pay interest on what you borrow.
✅ First or Second Position – Available for both 1st and 2nd lien positions.
✅ Juice It Up, Pay It Down – Borrow and repay as needed.

Designed for California Homeowners & Business Owners

This Stated Income Line of Credit is especially popular in Los Angeles and Northern California, giving borrowers the freedom to access funds without the hassle of traditional income verification.

Many business owners use their home equity to finance big-ticket purchases or investments. Unlike credit cards, this credit line isn’t meant for daily expenses—it’s a powerful financial tool designed to work for you!

📍 Available exclusively for properties in California.

Ready to unlock your equity? Contact us today to learn more!

Furthermore borrowers may want to compare the advantages of a traditional second mortgage over an equity line of credit. Likewise a HELOC / home equity line of credit is simply a loan taken against your home. Moreover it works very similar to a credit card only it is a secured loan. Equally important with Hot Loan Product #5 a borrow can access credit up to the value of the equity in your home. As a matter of fact many people who have taken this kind of loan have benefited greatly.

List of Forms & Documents Required:

Copy of 1st mortgage “Note” sample copy of a Note – if you’re not sure what it looks like
Photocopy of valid ID
If the title is to be held in Corporation/LLC we will need Articles of Organization/Incorporation – Operating Agreement/Bylaws
Current mortgage statement
May need 6 to 12 months banks statements to show cash flow
Please provide lease agreements when property is leased
Please provide a rent roll and Schedule of Real Estate Owned if you have more properties and units.
Insurance declaration page/quote for coverage
1003 Loan Application – use printed 1003 leave liabilities blank.
Credit report we will pull or if broker submitted need full 3 bureau – but we still have to pull it
Borrower authorization Borrower’s Authorization
Borrower authorization to run and pay for credit Credit $ Authorization Form
SI form – Statement of Information SI Form – Statement of Information
How do you want to hold title Vesting Form For Borrower
Social Media disclosure Social Media Disclosure
**To expedite your file organize documents in adobe format “.pdf”.