A Smarter Way to Qualify When “Traditional” Lenders Say No
Are You Experiencing?
Difficulty Qualifying
High Debt Payments
Limited Loan Options
EquitySelect is Designed for High-Equity Homeowners Facing Challenges with Debt-To-Income (DTI)
- Leverage your home equity to get a loan even with a high DTI ratio
- Fixed rate options and flexible terms
- Repayment options as low as 1%
- Increase your cash flow and consolidate debt
Real World Scenario: Cutting Payments & Freeing Cashflow
One of our recent Equity Select clients came to us juggling a first mortgage, a HELOC, and high-interest debt — monthly payments stacked up to over $4,400.
By consolidating everything into a single Equity Select loan, their first payment dropped to under $500. Even after taking out an additional $147,000 available to them with Equity Select, their minimum monthly payment will be lower than $950 per month for the next 40 years!
That means they’ve unlocked predictable, capped payments and are saving over $3,000 every month compared to where they started.
That means $3,000+ in monthly savings — money they can now use for retirement, home improvement, or just breathing easier.
The Result:
- Thousands saved every month
- Predictable capped payments
- Freedom to stay in the home they love
Frequently Asked Questions
What is Debt-to-Income (DTI) ratio?
It’s a way lenders see how much of your monthly income goes toward paying bills. If too much of your money is tied up in debt, it can make it harder to get approved for a new loan.
How does EquitySelect help high-DTI borrowers?
Equity Select can roll your mortgage, HELOC, and other debts into one streamlined loan with a low monthly repayment option of 1%.
By reducing your monthly obligations, it lowers your DTI — making your finances more manageable and freeing up cash each month.
Equity Select can combine your mortgage and other debts into one lower monthly payment. That means more money stays in your pocket each month — and it can help you qualify for financing when other lenders might say no.
YOU MAY STILL QUALIFY - EVEN IF YOU'VE BEEN DENIED ELSEWHERE
We built Equity Select as a smart solution for consolidating debt and reducing monthly expenses. No income? High Debt-To-Income? Retired? We have you covered.
EQUITYSELECT HELPS YOU DO MORE WITH YOUR HOME EQUITY
Pay Off High Interest Credit Cards
Fund Long-Term Care
Help a Family Member
Supplement Retirement Income
Take Your Dream Vacation
Home Improvements
EQUITY SELECT MAKES IT EASIER TO QUALIFY
- No rigid income hurdles
- Designed with future or current retirees in mind
- Equity Select is the smarter, more flexible way to unlock your equity
