Equity-Based Refinance:
Approval Based on Home Equity and Income NOT Credit!
If you’re struggling with the threat of foreclosure and find traditional loan modification unattainable, consider an asset-based refinance as the ideal alternative to resolve your financial woes.
To get a cash offer on your property click here.
Select your property value to see your maximum loan amount.
Home Equity Refinance Options
Tap Into the Value of Your Home — Without Perfect Credit
At Mortgage Help Center, we help homeowners explore potential financing options by connecting them with licensed professionals who may offer equity-based loan solutions. Our service is not a lender and does not offer loans directly. Instead, we refer your inquiry to trusted third-party lenders or brokers who may be able to assist based on your home’s equity, location, and financial profile.
What Is an Equity-Based Refinance?
An equity-based refinance is a loan product offered by some lenders that focuses primarily on the available equity in your home, rather than traditional credit scoring. These types of loans may be suitable for homeowners who have experienced recent credit challenges but have significant equity in their property.
Please note: Loan offers, terms, and approvals are subject to each lender’s internal underwriting guidelines, state and federal regulations, and your ability to meet specific requirements including income verification, property valuation, and other criteria.
What We Do
-
We are not a lender or mortgage broker.
Mortgage Help Center provides informational resources and facilitates referrals to licensed professionals in your state who may be able to assist with your refinancing goals. -
We do not charge consumers a fee.
Our service is free to homeowners. If you are connected with a licensed third-party lender or broker, they will provide you with all required disclosures and fee information in accordance with federal and state lending laws.
Why Homeowners Contact Us
-
To explore refinancing options based on home equity
-
To find potential lenders even with past credit issues
-
To access informational resources before making a financial decision
Important Consumer Disclosures
-
All loan decisions are made solely by third-party lenders and not by Mortgage Help Center.
-
Any loan terms (including interest rates, payments, and conditions such as deferred payments) will be presented directly to you by the lender.
-
We strongly encourage consumers to review all loan documentation carefully and consult with licensed professionals before proceeding with any loan.
Ready to Learn More?
If you are a homeowner and would like to see what options may be available to you, we’re happy to refer your inquiry to a licensed mortgage professional for review.
There is no obligation, and your information will only be shared with licensed providers.
✅ Federal Disclosures
📌 Truth in Lending Act (TILA)
All loan terms, including interest rates, fees, and repayment obligations, will be disclosed by the licensed lender or mortgage broker prior to loan closing, in accordance with the Truth in Lending Act (15 U.S.C. §1601 et seq.).
📌 Real Estate Settlement Procedures Act (RESPA)
Mortgage Help Center does not collect any fees from consumers and does not receive compensation that is contingent upon the success or terms of a loan, in compliance with the Real Estate Settlement Procedures Act (12 U.S.C. §2601 et seq.).
📌 Fair Lending Notice
Federal law prohibits discrimination in lending based on race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or because you exercised your rights under the Consumer Credit Protection Act.
🗺️ State-Specific Disclosures
🗽 New York
Mortgage Help Center is not licensed to broker or originate mortgage loans in New York and does not solicit, negotiate, or arrange mortgage loans for New York residents. Any referrals made are informational only and provided in compliance with New York Banking Law and the General Business Law §§349–350.
🐻 California
Mortgage Help Center is not a California Finance Lender or Broker (under the California Financing Law, Division 9 of the Financial Code). All referrals are made to licensed parties. We do not accept or process loan applications.
🌵 Arizona
This site does not provide mortgage loan services and is not licensed under the Arizona Department of Financial Institutions. All consumer loan inquiries are referred to Arizona-licensed lenders or brokers as applicable.
🌴 Florida
Mortgage Help Center is not acting as a mortgage broker under Florida Statutes Chapter 494. Referrals are made to licensed Florida mortgage professionals.
🌻 Texas
Mortgage Help Center is not registered as a Residential Mortgage Loan Company with the Texas Department of Savings and Mortgage Lending. We do not conduct lending or loan brokerage services in Texas.
🐎 Kentucky
In compliance with Kentucky Revised Statutes (KRS) Chapter 286, Mortgage Help Center does not broker or originate loans in Kentucky and is not a licensed mortgage company.
🍑 Georgia
Mortgage Help Center is not authorized by the Georgia Department of Banking and Finance to originate or broker residential mortgage loans. Any inquiry submitted will be reviewed by licensed Georgia mortgage professionals.
🌄 Colorado
Colorado residents may be referred to a licensed mortgage broker. Mortgage Help Center is not licensed by the Colorado Division of Real Estate and does not originate loans.
📌 No Guarantee of Loan Approval
Submitting an inquiry does not constitute a loan application. Mortgage Help Center does not guarantee loan approval, terms, or funding. All decisions are made independently by third-party licensed lenders based on their own underwriting guidelines.
📌 Referral Disclosure
We may refer your inquiry to one or more third-party mortgage professionals who are licensed in your state. We do not participate in the loan transaction and do not charge you for our services.
Get Cash Offers on Your Property