Vivienda Propia Mortgage

 

 
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Home Loans and Lines of Credit (HELOC) - 2nd Trust Mortgage

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Our portfolio includes many programs of 2nd mortgage loans and lines for homeowners wanting to refinance their homes to take advantage of the flexible terms and competitive rates Vivienda Propia offers.  We have programs that require no income documentation or proof ("No-Doc Loans"), programs with interests only to lower your monthly payments and programs that are designed for many types of credit -- even if you've had some problems in the past with your credit history -- and programs that include additional cash for you to use any way you would like.  Our loan officers will help you choose a home loan that fits your personal needs and situation.

Save Money:   An equity loan combined with a first mortgage can help reduce your out-of-pocket down payment cash and eliminate mortgage insurance costs!

As part of our ongoing commitment to service, we offer free use of calculators for your own savings analysis. They will help you identify the most beneficial loan program based on monthly payment savings, increased cash flow, yearly savings projected over time, and possible tax advantages.  To know how to use a home loan or line of credit to eliminate your debts or to undertake a home improvement project, click here.

Some highlights of available programs:

  • No income documentation required,

  • Interests only loans,

  • Additional cash out,

  • Monthly payment savings of up to 60% or more,

  • Less than perfect credit,

  • No appraisal required in most cases,

  • Up to 125% or more of the value of your home,

  • And much, much more!

 

 
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