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Can I get a home equity loan in nj if I own my house outright?

by Deenge_801_392 from Toms River, New Jersey. Jan 21st 2013 Reply


Steven Ceceri (CreativeFinancingOptionsGroup)
#36 ranked lender in Massachusetts - 723 contributions

Yes! I'd be happy to discuss a scenario for you today!

Jan 21st 2013
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Jesse Olson (jesseolson)
#654 ranked lender in California - 37 contributions

Yes, as long you as you qualify for a new loan.

Jan 21st 2013
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Matt Pollina (matt@smartmtgs.net)
#56 ranked lender in Illinois - 40 contributions

As long as you qualify- meaning debt to income, property value, etc... you should be able to qualify for either a traditional 1st mortgage or a home equity line of credit.

Jan 21st 2013
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Joe Shamie (Joe Shamie)
#4 ranked lender in New Jersey - 1,412 contributions

Yes. As long as you have the income to qualify

Jan 21st 2013
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Michelle Curtis Loan Originator NMLS 401173 (EmbassyFundingLLC)
#77 ranked lender in Florida - 2,244 contributions

You absolutely can.

Jan 21st 2013
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Barb Lanis (BarbLanis)
#69 ranked lender in Illinois - 663 contributions

As long as you have the income to qualify, go for it! Also, don't rule out a regular 1st mortgage with interest rates this low - unless you need the flexibility of a line of credit.

Jan 21st 2013
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Timothy Ray (tray@rtnfinancial.com)
#81 ranked lender in New Jersey - 14 contributions

Yes, provided you can qualify with the necessary income to repay the new loan. I would be happy to review your situation.

Jan 21st 2013
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Manuel Gonzalez (mmortgage1)
#91 ranked lender in New Jersey - 90 contributions

Yes, many Banks will even lend you upto to 90% of the value of your home, depending on your credit score and financial attributes.Good LuckMG

Jan 21st 2013
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Steve Azarch (sazarch)
#18 ranked lender in Tennessee - 93 contributions

Yes, as long as you qualify under the guidelines for the new loan.

Jan 21st 2013
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Nicolas Amaro (NickAmaro)
#92 ranked lender in New Jersey - 23 contributions

Yes you can, but it all depends on your financial picture.......give us call so we may discuss your best option....... our office is in Hazlet....732 264 2700 we'll be happy to help you....

Jan 21st 2013
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Michelle Curtis Loan Originator NMLS 401173 (EmbassyFundingLLC)
#77 ranked lender in Florida - 2,244 contributions

You will have to qualify of course, meaning your credit and income. Most likely your bank will offer a heloc at prime plus or minus depending on your credit.

Jan 21st 2013
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Raymond Denton (Raymond)
#10 ranked lender in Ohio - 224 contributions

Yes, and if you're 62 or older, you don't have to worry about qualifying with Income, Credit, Assets or Employment.

Jan 21st 2013
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