Access Your Home’s Equity

Swap 24% + Credit Cards for a Low-Rate HELOC

No Need to Refinance – Keep Your Rate

Use the equity you’ve built in your home to consolidate credit cards, auto loans, and other high-interest debt into one simple payment—eliminate debt years faster and keep thousands of dollars in your pocket instead of giving it to lenders.

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You Have Equity

Consolidate your debt into a single, manageable loan and access the equity in your home to fund your dreams.

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Personal Loan Debt

Personal loans typically have higher rates than mortgages. Consolidating them into your mortgage lowers your overall rate and can cut your total monthly payments.

Credit Card Debt

Credit cards often carry interest rates of 20% or more. By refinancing your home, you can roll that debt into a much lower mortgage rate, slashing interest costs dramatically.

Auto Loans

Car loans may have shorter terms with higher payments. Refinancing to pay off your vehicle with home equity could reduce your monthly burden and free up cash flow.

Student Loan Debt

Student loans can stretch for decades. Refinancing to pay them off with home equity can secure a lower rate and shorter payoff time, potentially saving thousands.

Medical Bills

Unexpected medical expenses can balloon with payment plans or interest. Using a refinance, you can wipe them out with a single, predictable low-rate payment.

High Monthly Expenses

By refinancing and paying off these debts, even if you keep paying the same total each month as before, more goes toward principal — meaning you’ll be debt-free years sooner.

What Our Customers Are Saying

Get answers to your most pressing questions about HELOCs with MiLEND.

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Frequently Asked Questions

If you have any questions, please contact us below.

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  • Who is MiLEND?

    MiLEND is a local mortgage lender licensed in 17 states mostly along the East Coast. Some fast facts:

    • Established in 1995
    • A+ Better Business Bureau rating
    • Inc. Magazine Fastest Growing Company 2011
    • Atlanta’s Best and Brightest place to work
    • Atlanta Business Chronicle Pacesetter 2011

  • How do I get the most out of my home appraisal?

    In today’s market, getting the most out of your home’s value is at the top of the list when it comes to being able to save money on any type of mortgage. The more your home is worth, the more mortgage options you will available to you.

    There are a lot of factors involved in the valuation of your home. Some of these are can’t be controlled by you, as the homeowner, but there are definitely some areas you can help.

    1. Be there when the appraiser gets there – Starting off on the right foot is important for everyone. The appraiser will schedule a time for you, and you shouldn’t be late.
    2. Make a list of any improvements or upgrades you have made to the house – Upgrading your home can keep it on the top of the value curve for your neighborhood. Make a detailed list of any home improvements you have made since you purchased the home. If you are interested in doing some home improvement, take a look at a few home improvements that give the most bang for your buck!
    3. Let the appraiser be the appraiser – All appraisers have to take classes and be mentored prior to become fully licensed. They are the most qualified to value your home, so let them work to get the best value from your home.

    The common sense approach is to just take care of your home. Don’t let your house fall into disrepair and keep on top of things that can really affect the appearance and value of your home.

    Also, remember, by law, a loan consultant cannot influence the appraiser in any way. Be wary of loan consultants that say they can guarantee the value of your home.

  • Should I use the equity in my home?

    If you knew you had a $50 bill in your jacket pocket, would you just let it sit there? You may take it out and put it in your savings account, or even buy something, but you wouldn’t just let it sit there.

    Equity is your home’s value over and above the principle amount of your loan. Allowing your home equity to just sit there is like leaving that $50 bill in your jacket pocket. Instead of using your money to make more money, or improve your home or debt situation, you are letting it just sit there.

    There are a few options when it comes to home equity:

    • You can just leave it sitting there and do nothing – This is considered the safe bet by some people. However, like I mentioned, it is just letting money sit in the hopes it will still be there years from now.
    • You can take out a home equity loan and use the money to improve or refurbish your house – Doing this will help improve the value of your home.
    • Use the home equity to pay off existing debt – Revolving and installment debt usually come at a higher price than mortgage debt. Using your home equity to pay off existing debt at a lower interest rate will allow you to free up monthly income and relieve some debt stress.
    • Take out a home equity loan and invest the money – This option let’s your money work for you. If you are paying 7.5% on the home equity loan, but gaining 15% a year in home value on the investment, you are effectively making money.

    So the real question is, why wouldn’t you take a look at how much equity you have in your home? With super low interest rates and home values increasing, this could be the perfect time to cash in.

    It’s time to see if you are in the position to take advantage of this perfect storm of rates and values.

  • What kind of documents will I need for a HELOC?

    The document list for a mortgage loan can look pretty daunting, but the faster you can get the information together and back your MiLEND mortgage loan consultant, processor, or underwriter, the faster they can get the file processed and closed.

    To help you get a head start, we put together an online list of documents for the most common situations:

    • Copy of your W-2s for the last two years
    • Copy of your paycheck stubs for the last 2 months
    • If commission or bonus income is applicable and is more than 25% of base salary, you will have to provide your tax returns
    • Copy of your checking and savings account statement for the last two months (ALL PAGES)
    • Copy of any quarterly or semi-annual statements for any investment or retirement funds (ALL PAGES)
    • Employment history for the last two years
    • Residence history for the last two years
    • If you have paid off any mortgage in the last 2 years, you will need a copy of the HUD-1 Settlement Statement
    • Copy of the driver’s license and Social Security card for all borrowers
    • If you are purchasing a home or investment property, you will need a copy of the sale contract when signed by all parties
    • If you are refinancing, you will need a copy of your home owner’s insurance policy

    If you are a Self-Employed Borrower, you will also need:

    • Copy of your most recent 2 years of tax returns, including all schedules
    • Copy of your current Profit and Loss Statement and Balance Sheet
    • Copy of corporate / partnership tax returns for the most recent 2 years (include copies of W-2s or 1099s)

    If you are getting a VA (Veteran’s Administration) mortgage loan, you will also need:

    • Your original Certificate of Eligibility and a copy of your DD214 Discharge
    • The name and address of your nearest living relative

    If you have filed for a bankruptcy, you will need:

    • Copies of the petition for bankruptcy and the discharge. Be sure you have ALL supporting documents.
    • Divorce decree

    If you receive any Social Security or retirement income, you will need:

    • Copy of the bank statement showing your direct deposit and the most recent award letter

    This list covers the majority of the documents you may need prior to closing your home mortgage loan. There is always the chance another document may be requested, but this is a great head start!

  • How much are the closing costs?

    Closing costs vary. Depending on the loan size, MiLEND may be able to credit some or all of the closing costs.

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(www.nmlsconsumeraccess.org)

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