Buying a new home?
We'll help you every step of the way.
Owning your own home is the ultimate "American Dream". And we can help make that dream come true for you.
Buying a home is also one of the most exciting and significant events of your life, and it has many distinct advantages including:
- Tax deductions
- Added benefits of home equity loans
- Overall improved quality of life
That's why it's important that you properly plan and understand the home buying process. Our specially trained Home Loan Consultants help assess your individual needs, analyze the variety of loan options to you, explain each program along with rates, terms, advantages and disadvantages, and help you make the best decision based on your situation.
Credit problems?
No problem.
Perhaps you have credit problems. You've let bills pile up... there's a bankruptcy in your past... you've been delinquent on one or two mortgage payments.
If you have less-than-perfect credit, we can put debt consolidation, home improvements, a new home, or even a family vacation within your reach - fast!
We understand that you're only human. Your intentions are good, but sometimes finances can get out of hand. It happens to many of us. That's why we are here to help you.
Be debt free or get the cash you need in as little as 10 days! Our process is easy and can be done online. Remember, there's no obligation and no cost to apply.
We have first and second mortgage programs to fit your needs. We lend homeowners, just like you, the cash they need even when their credit history is less-than-perfect. Discover how to use the equity in your home to:
- Consolidate your debt into one easy, lower monthly payment.
- Make home improvements, add on a room, remodel.
- Save for your retirement or your children's future.
- Take a long overdue trip for two to somewhere exotic.
- Get cash for any reason.
- Pay back debit and credit card balances
Refinancing your home may be a smart move.
Yes!
You may decide to refinance to accomplish a variety of goals, but for some basic reasons: To save money by getting a lower interest rate or to save money by using a tax-deductible loan (the refinance) to pay off non-tax-deductible debt. Now that's smart!
People most commonly use a refinance loan to:
- Convert a higher interest rate mortgage to a lower interest rate mortgage
- Lower their cost of debt by converting non-tax-deductible debt, such as credit cards or car loans, to tax-deductible mortgage debt.
- Convert an adjustable rate mortgage to a fixed rate.
- Consolidate a first and second mortgage into one lower-rate mortgage.
- To get cash for family needs/expenses (tuition, medical expenses, etc.)
- To reduce the term of their mortgage.
The key point to remember in all these instances is a refinanced mortgage offers you tax-deductible borrowing (which effectively lowers your cost of borrowing). Is a refinance a smart move for you? To find out, try the calculators listed on the website for your convenience.
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Home Equity
The smart way to put your house to work for you.
Need some cash to consolidate your debts? For home improvements? To pay college tuition? Or how about that new car you've had your eye on?
Home equity loans or lines of credit are a smart way to borrow money because the interest rate is often significantly lower than other types of consumer loans. What's more, the interest on your loan is typically tax-deductible. (Be sure to see your tax advisor.)
Global Home Equity Loans offer outstanding advantages:
- Low rates
- Low monthly payments loan available
- No hidden fees
- No prepayment penalties/certain programs
- Apply online
- Instant approval
- Borrow up to 125% of the equity in your home
- Potential tax-savings (the interest you pay may be fully tax-deductible which further reduces your cost of borrowing. Consult your tax advisor regarding the deductibility of interest.)
For your further convenience, Global offers both fixed-rate and variable-rate Home Equity Loans.
Do you have a Home Equity Loan now from another lender? Switch your loan to the lower rates at Global. Just complete and submit your Home Equity Loan application. Upon approval of your loan, you can use your loan proceeds to pay off your existing home equity loan and enjoy our lower rates. You'll save money and it's quick and easy to do.
Borrow up to 125%
At Global, you can borrow up to 125% of the equity in your home. For example: If your home has a current market value of $ 300,000 and an outstanding mortgage balance of 80,000, you have $ 195,000 in available equity. That's the amount you can borrow. $ 300,00 x 125% = $ 375,000 less first mortgage balance of 180,000 leaves $ 195,000 in borrowing power.
Use your Global Home Equity Loan as you wish.
How you use your loan proceeds is entirely up to you. Here are some of the most common ways Global Home Equity Loan clients are using their funds:
- Debt consolidation (paying off higher interest credit card and other debt)
- Medical expenses
- Education expenses
- Home improvements/renovations/repairs
- Major purchases (cars, boats, home appliances)
- Vacation and family expenses.
Global Loan and Finance
1-404-350-4275
Electronic mail:
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