Our Mission

Our mission is to help make the process of getting a better mortgage as easy and stress-free as possible. We work with you one-on-one to understand your financial needs and goals, and then find the best possible mortgage solution from over 100 different lending partners.

Our Vision

Our vision is to be the go-to source for all things related to mortgages and home equity loans.

Whether you’re looking to consolidate debt, finance a major purchase, or just get some extra cash, we can help. We offer free property evaluations and personal consultations to make sure you get the best solution for your unique financial situation.

What is a Home Equity Loan
and How Does it Work?

A home equity loan is a type of loan that uses the appreciated value of your home, locking in a lower interest rate than other loans. Home equity loans can be used for anything including major expenses such as business capital, investing, home repairs, renovations, or debt consolidation.

When you take out a home equity loan, the lender will give you a lump sum of cash that you can use for any purpose. The interest rate on a home equity loan is usually lower than the interest rate on a traditional loan.

What are The Benefits
of a Home Equity Loan?

There are many benefits of taking out a home equity loan, including:

Use Your Equity

Using the equity in your home: Home equity loans allow you to use the equity in your home to finance major expenses.

Lower Interest Rate

Locking in a lower interest rate: The interest rate on a home equity loan is usually lower than the interest rate on other types of loans, such as credit cards or personal loans. This can save you money on interest payments over time.

Improve Credit Score

Improving your credit score: Using a home equity loan to consolidate debt and make timely payments helps improve your credit score.


Frequently Asked Questions & Answers

Mortgage relief or mortgage assistance programs are options that homeowners can pursue when they are struggling to make their mortgage payments. These programs can help borrowers catch up on missed payments, lower their monthly payments, or even get their mortgage debt forgiven entirely. There are many different types of mortgage relief programs available, and each has its own eligibility requirements and terms. Homeowners should research all of their options before choosing a program to ensure that it is the best fit for their unique situation.

There are many different homeowner mortgage assistance programs available, but some of the most common include refinancing, loan modification, and forbearance agreements. Each of these programs can help homeowners in different ways, so it is important to research all of your options before choosing one.

Refinancing: Refinancing is when a homeowner takes out a new loan to replace their existing mortgage. This can often be done with a lower interest rate, which can save the homeowner money over time. It can also help to lower monthly payments or to shorten the term of the loan. Borrowers who are struggling to make their mortgage payments may want to consider refinancing as a way to get relief.

Loan Modification: A loan modification is when the terms of an existing loan are changed. This could include changing the interest rate, extending the term of the loan, or both. Loan modifications can help borrowers who are having difficulty making all of their payments on time.

Forbearance Agreements: A forbearance agreement is when a lender agrees to temporarily lower or suspend mortgage payments. This can give the borrower some time to get back on their feet financially. After the forbearance period ends, the borrower will usually have to make up the missed payments, often with interest.

Refinancing Eligibility: In order to be eligible for refinancing, homeowners usually have to have a good credit score and a steady income, although there are lenders who work with low credit and no incomes. They will also need to have enough equity in their home.

Loan Modification Eligibility: To be eligible for a loan modification, homeowners typically must be behind on their mortgage payments or at risk of defaulting on the loan. Borrowers will also need to prove that they are unable to make their current monthly payments.

Forbearance Agreement Eligibility: In order to qualify for a forbearance agreement, borrowers must usually be experiencing financial hardship. This could include job loss, medical bills, or other unforeseen expenses. Borrowers will also need to prove that they are unable to make their current monthly payments due to financial hardship.

How refinancing to a lower interest rate and payments works is that the homeowner will work with their broker to refinance their mortgage. This could involve getting a new loan with a different lender at a lower interest rate and/or a lower monthly payment. The homeowner will need to go through the process of applying for a the loan and being approved.

A streamlined refinance is a type of refinancing that can be done with fewer application requirements. This can make it easier and faster to qualify for refinancing. However, not all homeowners will qualify for a streamlined refinance. Those who do not have a good credit score or a steady income may not be eligible.

A home equity loan or line of credit (HELOC) is a type of loan where the homeowner uses their home as security. The loan is typically for a larger amount than what the homeowner could qualify for with other types of loan and the interest rate on a home equity loan is usually lower than the interest rate on any other types of credit.

Client Testimonials

"My experience with Homeowner Debt Relief was awesome. My emails and phone calls were always answered and she went beyond my expectations! We are very happy with the service they provided! Definitely recommend!

Thank you so much!"
Homeowner Testimonial - Patricia
Patricia & Tony Gignac
Google Review
"My husband and I were at the point where we were having a lot of trouble keeping up with bills my husband was looking everywhere for someone that could help us get out of the financial situation we were in. Then he found a website for Homeowner Debt Relief, so we filled out the form and a lovely young lady named Amanda called us back and she was able to help us get out from under a lot of our financial debt. Amanda was an excellent person to work with she was very professional but also very easy to talk to. Amanda helped us get through a very difficult time and we appreciate all her help and Expertise."
Juanita & Keith McKeown
Google Review
"Homeowner Debt Relief was so helpful. My stress went from 100 to 10 after working with Frank. Especially through these trying times, it was nice having someone to help out who always responded in a timely matter. It was a pleasant experience and would highly recommend it."
Homeowner Testimonial - Niki
Niki J
Google Review

Why Work With Us

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