Home Mortgage, Refinance, Purchase, Home Equity Loans, Rates | Home Loan Wholesale
Home Loan Wholesale has helped countless homeowners get connected with multiple lenders when shopping for a home equity loan or line of credit. The demand for 2nd mortgages has been resurging as the market continues to recover. We anticipate that more lending sources will begin extending HELOCs and home equity mortgages as they did five or six years.
Lender Directories

Refinance Lenders
Alt-A Mortgage Lenders
Hard Money Mortgage Lenders
Home Equity Lenders
High LTV Mortgage Lenders
Prime Mortgage Lenders
Subprime Mortgage Lenders
Home Loan Lenders
FHA Lenders
VA Lenders
House Lenders
Poor Credit Lenders

Home Loan Advice

How to Find the Best Home Equity Lenders
Shopping for a Home Equity Credit Line
Shopping for a Home Equity Loan
Bad Credit Home Loan Programs

Preferred Loan Type

Property Type

Property Value

Credit Rating

Home Equity Loan Shopping

Shop and compare home equity loans and HELOC’s at Home Loan Wholesale. Enjoy the luxury of working with the best lenders in the nation.

Will Brokers and Lenders Running My Credit Affect My Credit Score When I am Shopping for a Home Equity Loan?

The myFICO.com Web site explains it this way: Looking for a mortgage or an auto loan may cause multiple lenders to request your credit report, even though you're only looking for one loan. To compensate for this, the score ignores all mortgage and auto inquiries made in the 30 days prior to scoring. So, if you find a loan within 30 days, the inquiries won't affect your score while you're rate shopping. In addition, the score looks at your credit report for auto or mortgage inquiries older than 30 days. If it finds some, it counts all those inquiries that fall in a typical shopping period as just one inquiry when determining your score.

That doesn't leave you much room to shop, does it? However, there are ways around it. Before you even start talking to lenders, you should get a copy of your credit report from each of the three main credit reporting agencies:

Equifax: (800) 685-1111 - www.equifax.com

Experian (formerly TRW): (888) EXPERIAN (397-3742) - www.experian.com

Trans Union: (800) 916-8800 - www.transunion.com

It generally costs about $9 per report. However, there is a federal law that allows you to get a free credit report from EACH of these agencies. It's called the Fair and Accurate Credit Transaction Act of 2003 (FACTA or FACT Act). There is only one place authorized by the credit bureaus to get your free credit reports under this Act--AnnualCreditReport.com. To request your reports over the web, go to https://www.annualcreditreport.com/cra/index.jsp. To request them over the phone, call 1-877-322-8228.

Once you get your reports, review them for accuracy. According to Equifax, it's possible for incorrect, incomplete or outdated information to appear on your credit report. If it does, it can drastically lower your chances of getting the loans, credit cards, and other credit products you deserve. Then, go to myfico.com/12 to order your FICO scores. This gives not only your scores, but also the negative credit codes that lenders see when making lending decisions.

Armed this information, you can avoid a lot of inquiries from appearing on your reports. When speaking with lenders, give them the information off your FICO scores, including the codes. Then, offer to fax or mail a copy of this information to help the lender determine if it's possible for them to work with you. Depending on your scores, it could also serve as a powerful bargaining chip when negotiating with lenders. Once you've narrowed your search to 2 or 3, have your credit run during this 30-day window of time.

Home Lender

Home Equity Credit Lines

Loan Types
A-Paper Loans
Alt-A Loans
Sub Prime Loans
Hard Money Loans
Prime Home Equity
Prime 2nd Mortgage
Sub Prime 2nd Mortgage
1st-2nd Combo Loans
Interest Only Home Loans