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Mortgage Resource Center
Quick Find... Home Credit Repair Refinance Home Purchase Avoid Foreclosure

Need to Repair or Fix your Credit?
We offer the following services:

• Rapid Rescore
• Credit Letters
• Removal of outdated information on your
  credit
• Credit Score Strategies
  to help increase your
  score in just a few weeks!
• Credit Awareness Information

What makes the difference between an Excellent, Good, Poor and Bad Credit rating?? Click Below to find out what qualifies you for...

• Excellent Credit Home Loans

• Poor Credit Home Loans

• Bad Credit Home Loans

Frequently Asked Questions

Can I get a loan that is more than my house is worth?

You may qualify to get a second mortgage with no equity required in your home. We offer a range of programs that allow you to finance up to 125% of the value of your home, unlike many other lenders who require a minimum of 20% equity before considering your equity loan application.  Some home loans may go up to 150% of the value of your home.

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What are the benefits of taking out a second mortgage loan?

 A second mortgage loan may allow you to consolidate other high interest debts you may have or you may use the equity in your home to get cash for other purposes, such as home improvement, financing a child's education, a new car, boat, RV or for other personal needs. In addition, you can realize:

• Savings - Consolidating debt from other sources with higher interest rates may mean overall lower monthly payments - often up to as much as 60% less each month in payments.

• Tax Deduction - Get a tax deduction on the amount of your home equity loan interest payments, even if you take cash out to use for other purposes. Consult with your tax advisor to determine how much of your new loan payment may be tax deductible.

• Convenience - You can consolidate bills into one monthly payment.

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Do I have to make an office visit or have a representative come to my home to apply for an equity loan?
 

Not if get your loan through TheLoanPro.com . While many lenders will require you to make an office visit during the course of getting your loan, TheLoanPro.com has no office visit required.  We send the documents to you and you have the option to sign your loan documents in the comfort of your own home.

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How long does it take to get a home equity loan?

You can close your home equity loan in as little as 7 working days, depending on where you live and the speed in which you supply requested documents to us.
 

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What are points?

Points are a method of reducing the interest rate you would pay on a loan as pre-paid interest. One point is equivalent to 1% of the loan amount. For example, 2 points on a loan amount of $200,000 would be $4,000. In general, a loan requiring 2 points has a lower interest rate than one with 1 point or 0 points, but you would pay the higher amount of fees from the increased points in your closing costs. Paying points may be a more attractive option for those planning to stay in their home for longer periods of time or wishing to obtain a certain monthly payment, usually at least three years or more. Points paid on your loan may be tax deductible.

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Can I obtain a home equity loan without paying points and/or closing costs?

Yes, depending on which loan program you choose. You may qualify for a loan requiring no fees at all! This may or may not be the best financial decision depending on your situation. Ask your Loan Consultant about a free consultation.

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Does TheLoanPro.com charge any up-front fees?

No. We invite you to apply now, become pre-approved for your home loan and we'll continue to shop for the best rates, fees and products that meet your needs for you. We're confident few can beat our service or low prices.

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What is APR?

APR is the abbreviation for Annual Percentage Rate. The APR represents the rate of interest paid on a mortgage when factoring together all prepaid finance charges and post settlement interest over the life of the loan.

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Is it a good idea to shop for a home equity loan on the basis of comparing the APR?


There are risks to comparing only the APR when shopping for a home loan. For example, the calculation of APR may vary from lender to lender. Your best comparison is generally evaluating the same interest rate, for the same loan type and term, and then comparing the applicable points and total closing costs. 

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Because we work "By Referral Only," we can make a 100% commitment to making sure your priorities, needs and dreams are met and to provide you with world class service.  As your trusted real estate mortgage consultants, we are in the business for life!!

With the right knowledge and advice comes a big difference. All real estate and mortgage companies are definitely not alike. When you're buying, selling or financing your home, having the right knowledge can literally mean the difference between thousands of dollars, more or less, in your pocket up front and over the life of your home ownership!.

Referrals are the Life Blood of our business!!

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Equal Housing Lender

Who We Are:

TheLoanPro.com is an A paper and sub prime lender providing the lowest rates and fees for good credit loans to sub prime loans to include fixed and interest only home equity loans for any purpose.
  We specialize in poor credit loans which require an extra special dedication, persistence and established relationships to assure you get that money you need!
  We can fund any loan available on the market. From FHA Loans, VA Loans, CHFA, PERS, and any and all prime loans to sub-prime loans
  We'll help you with your home purchase, second home purchase, investment home purchase, debt consolidation loans, home improvement equity loans, refinance loans, to include reverse mortgage loans, land loans, construction loans, commercial loans.... Our lending has no limits!

What We Do:

Just about everything including... Home loans home or house mortgage purchase Fast Refinance Sub-Prime Bad Credit ok Purchase Loans mortgage quick cash refinancing bad credit mortgage refinance loan refinance second mortgage poor credit loan poor credit mortgage

Who We Help:

  We maintain a benchmark in the industry as a lender proven to come through for those who have been previously turned down, have had a previous bankruptcy (1 day out of bankruptcy), have a poor credit loan history, active and previous divorce, tax liens and those who are self-employed income earners
 

Counties We Service:

California-Alameda Alpine Amador Butte Calaveras Colusa Contra Costa Del Norte El Dorado Fresno Glenn Humboldt Imperial Inyo Kern Kings Lake Lassen Los Angeles Madera Marin Mariposa Mendocino Merced Modoc Mono Monterey Napa Nevada Orange Placer Plumas Riverside Sacramento San Benito San Bernardino San Diego San Francisco San Joaquin San Luis Obispo San Mateo Santa Barbara Santa Clara Santa Cruz Shasta Sierra Siskiyou Solano Sonoma Stanislaus Sutter Tehama Trinity Tulare Tuolumne Ventura Yolo Yuba Counties - Basically All Counties in each approved state are available for service!!
This includes All counties of -Arizona, Nevada, Oregon, Idaho and other approved states. Call for Details!

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