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All Forum Posts by: Daria Johnson

Daria Johnson has started 1 posts and replied 2 times.

Private Lending & Conventional Mortgage Advice

Post: Questions on shared equity loan?

Daria JohnsonPosted
  • Posts 2
  • Votes 1
Quote from @Jason Wray:

Daria,

Even with fixed income you still qualify to take cash out through a mortgage (cash out refinance).  The cash out refinance is going to offer a longer term (30 years) and usually a lower payment.  That may help get you the cash you need instead of a Heloc.  Most cases Helocs have higher interest rates and shorter terms so the payment is higher and the guide lines are tough.

thank you for the advice. I'll ask about a refinance today.
0 Votes
Vancouver, Washington
Private Lending & Conventional Mortgage Advice

Post: Questions on shared equity loan?

Daria JohnsonPosted
  • Posts 2
  • Votes 1

I have equity in my property which is in Washington state, and I'm interested in finding an investor who would be interested in loaning me 20k to 30k in exchange for an agreed percentage rate when the house sells (within 10 years). I'm not able to apply for a regular home equity loan since I am disabled and have a fixed income. My current mortgage is 3.6% on $112,500. The estimated value of my house which includes 5.5 acres is $350k. I assume that an investor would put a lien on my real estate for security, which is understandable. I'm just asking this forum in hopes that someone will be interested in a simple equity transaction. Thank you, Daria

1 Vote
Vancouver, Washington