| Our polite, professional and efficient staff has decades of experience providing home financing and home refinancing loan options to many thousands of satisfied customers with superior service second to none. We are a direct source for home mortgage loans, mortgage refinance, mortgage rates and home equity mortgage refinancing loan programs. We also specialize in options for mobile home refinancing, mobile home loans, mobile home financing and manufactured home loan lender products specifically for manufactured housing lending nationwide. Your request gains access to home purchase loans and home refinance loans at real savings. Once you've found or already own the perfect home, you need the perfect financing or refinancing. Let us find the best loan for you! |
| Home Equity Loan - Home Equity Lenders - Mortgage Loan - Refinance |
| Four Ways Home Equity Can Help Fund Retirement It was soon after ’64 when The Beatles imagined what life would be like when they were 64. They saw a simple life -- knitting a sweater by the fireside, mending a fuse when the lights were gone, and renting a cottage every summer in the Isle of Wright. But with retirement accounts shriveling up, where will today’s seniors find the funds for life’s simple pleasures? The answer may be found in their home equity. According to a recent report by the U.S. Census Bureau, almost 80 percent of senior households owned a home, including 78 percent of those age 75 and older. Assuming that a majority of those households had been paying their mortgages for quite some time, there’s plenty of equity to be tapped. Here’s a list of the four best ways seniors can use their home equity for cash. 1. Reverse Mortgage. Available only to people age 62 and older, a reverse mortgage allows you to tap the equity in your home without making monthly payments. When you sell your property, you pay back the loan with the proceeds, or your estate repays the mortgage upon your death. 2. Home equity loan. You could apply for a home equity loan or home equity line of credit (HELOC). However, a bank will want to see steady income to make sure that you can pay it back. 3. Turn your home into an income-generating property. If you own your home, or have a very small amount left on your mortgage, you can turn your home into a money-generating machine. You could rent out a room or, in the alternative, rent out the entire house and live in a less expensive environment. When you do your calculations to see if the latter move is worthwhile, remember to take taxes and home maintenance into account. The numbers need to work out in your favor to make this a worthwhile option. 4.Selling your home. Many seniors find that owning a home is too great a responsibility as they age. Checking the furnace in a crawl space, or climbing on the roof to clean gutters is best left to people with younger legs and healthier backs. Hiring someone to do the dirty work can be expensive, and many seniors live on fixed incomes. Selling your home will generate cold, hard cash that offers you options. Once you have the money, you could either: • Downsize and buy a smaller home which would be less expensive to maintain. • Become a renter, and put those funds to work making money for you, either in a diversified investment portfolio, or through an insurance product like an annuity. Only two of the Beatles lived to see the age of 64. And while Paul and Ringo may never need to tap their home equity for retirement money, there’s no reason that the rest of us can’t when we turn 64. * * * * * * * * NO INITIAL CREDIT CHECK -- NO SENSITIVE INFORMATION -- FREE QUOTE Lower your monthly bills with mortgage refinance loans, debt consolidation loans, and home equity loans. |
Home Equity Loans
Cash out your equity now for debt
consolidation, home improvements,
paying off debts or anything else you
want with your home's equity!
Cash out your equity now for debt
consolidation, home improvements,
paying off debts or anything else you
want with your home's equity!
Home Refinance Loans
Rates are the lowest they've been in
close to 30 years. Refinance now to
get a lower rate, turn your adjustable
into a fixed rate and get cash out!
Rates are the lowest they've been in
close to 30 years. Refinance now to
get a lower rate, turn your adjustable
into a fixed rate and get cash out!
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Home Purchase Loans
Find the perfect purchase mortgage
loan. Select from fixed or adjustable
rates. Get pre-qualified for free and
quickly find out how much you can
afford.
Find the perfect purchase mortgage
loan. Select from fixed or adjustable
rates. Get pre-qualified for free and
quickly find out how much you can
afford.
| Copyright ©1999-2012 Earth Works Trust Inc. All Rights Reserved Earth Works Trust Financial Services doesn't lend money directly to borrowers, though we are a direct source to approved national lenders and licensed independent mortgage professionals in your local area. This allows for the widest variety of housing loan options to meet your needs. We also work to make sure you have the resources you need when researching for a residential or manufactured home loan. We've developed tools to make it easier to find the right loan product. Submission of this loan request form gives permission to contact you concerning housing loan products, Privacy policy: We respect your privacy! Your information will be kept confidential and disclosed only as allowed by law. |
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