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I took out a holiday loan in December to pay off some stuff, rate was around 8.95% on an unsecured note for $20,000.00, decided to do a home equity loan instead so I can deduct the interest off my taxes, just have to have my home re appraised, which was built new a year ago, cost $230,000.00 to build, mortgaged around $207,000.00, my appraisal came in at exactly $230,000.00 when it was finished, a year later, that same house to build costs around $265,000.00, so I am hoping it comes in much higher this time! They pulled TU 08 Classic for Pre Approval, 778 FICO, had to verify income, which all checked out! Just waiting for the appraiser to move forward, shouldnt be more than 2 more weeks!
New Message! Indicates you have new messages from your loan officer. | |
View Loan View your loan status or check for modifications or messages from the Lender. | |
Edit Loan File Edit or complete an incomplete loan that was previously saved. | |
View Loan Documents View any loan documents that are available to you or upload documents to the Lender. | |
Send WebMS Message Access the Web Messaging System (WebMS) to view your correspondence log, view new messages from the lender, and/or send a message to the lender. |
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@patrick00032001 wrote:I took out a holiday loan in December to pay off some stuff, rate was around 8.95% on an unsecured note for $20,000.00, decided to do a home equity loan instead so I can deduct the interest off my taxes, just have to have my home re appraised, which was built new a year ago, cost $230,000.00 to build, mortgaged around $207,000.00, my appraisal came in at exactly $230,000.00 when it was finished, a year later, that same house to build costs around $265,000.00, so I am hoping it comes in much higher this time! They pulled TU 08 Classic for Pre Approval, 778 FICO, had to verify income, which all checked out! Just waiting for the appraiser to move forward, shouldnt be more than 2 more weeks!
New Message!
Indicates you have new messages from your loan officer.View Loan
View your loan status or check for modifications or messages from the Lender.Edit Loan File
Edit or complete an incomplete loan that was previously saved.View Loan Documents
View any loan documents that are available to you or upload documents to the Lender.Send WebMS Message
Access the Web Messaging System (WebMS) to view your correspondence log, view new messages from the lender, and/or send a message to the lender.
Your Mortgage Loans Purpose Amt. Requested Amt. Approved Est. Property Value Loan Term (months) Entry Time Loan Status Actions View Loan Edit Loan View Docs Send Message #94750 HOME EQUITY $25,000.00 $25,000.00 $265,000.00 120 2/19/2015
2:05:18 PM ESTPRE-APPROVED
PROCESSING
Any idea what the rate will be if approved?
The rate for a closed end home equity loan is 5.99%, 3 Rivers has my first mortgage all ready, they sold it to Fannie Mae, but they are still retaining the servicing on it.