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Our home planning centers: 

your equity for: 100%LTV needs

for new home buyers
Use a Home Equity Line of Credit with a 5-10 year draw period - close the line along side your mortgage to fund home improvements

Loan Type: home equity line of credit (HELOC)
Line Amounts: at least 80% LTV for best rate: calc your LTV
Draw Period: request a 10-15 year draw period
No Restrictions: request no minimum draw amount and line fees
| or dial: 1-877-777-1370


More Information:

  1. summary review and benefits
  2. getting 100% LTV
  3. financing "need-to-know" checklist

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Loan Summary and Benefits


For the New Homeowner
As a new home owner, or as someone who placed less than 20% down on their home purchase, you can borrow the full amount of your equity by applying for the "100%LTV" Home Equity Line of Credit.

The "100%LTV" Equity Line of Credit can turn your new home purchase into your personal dream home.

Here's how:

  • modernize your kitchen
  • purchase new appliances
  • redesign the family room
  • finish some major repairs

And while you're at it—

  • consoidate your bills
  • pay off moving expenses
  • you decide: _________________


Your "100%LTV" Home Equity Line of Credit
is the right tool for new home owners.

It allows you the financing power to improve your home with the least cost and maximum return. Simply advance yourself funds by writing a check.

You will pay interest only on the amount you borrow, which interest cost may be deducted from your taxes if you qualify. Consult your tax advisor for information.

You can use your home equity line whenever you need. It's like becoming your own banker. Simply advance the funds you need ... when you need ... as you need.




apply online

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Getting 100%LTV

LTV Stands for: Loan-to-Value

Banks and other lenders extend credit based upon a percentage of the estimated market value of your home.

That percentage of market value minus the amount you owe on your first mortgage (plus any 2nd or 3rd mortgages that you may have) becomes the maximum amount of credit that lenders will give you.

For example:

Let's say that your new home purchase has an estimated market value of $150,000.

You placed 20% down at $30,000 and the lender finances $120,000 of your home mortgage. The maximum amount that you can borrow is calculated as follows:

 Estimated Market Value:  $150,000  $150,000  $150,000
Percentage LTV:  80%  90%  100%
Percentage of Market Value:  $120,000  $135,000  $150,000
 Less Mortgage Debt:  $120,000  $120,000  $120,000
 Equals Total Equity:  $0  $15,000  $30,000

Banks and other lenders generally charge a higher rate of interest for higher percentages of LTV.

Since most new home owners can't borrow at the 80%LTV level (most of their available equity is the down payment), they often view equity products at the 90%-100%LTV level.

They expect to pay a higher rate of interest, but the rate of interest is generally lower than credit card advances and other unsecured loans used for home improvement and other repairs for the home.

Calculate your own LTV percentage value

Hey!, it looks like you have found the right product to turn your house into a home.

Apply now and let's search for the right lender
or dial toll-free: 1-877-777-1370
Home Equity Application


Or, if you are considering a home mortgage at the present time, request that your lender bundle a home equity product with your mortgage closing.

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