Home Equity Financing

First & Last Name:

Cell Phone Number:

Email Address:

Full home address including city, state, zip & county:

Years and months at this address:

Monthly mortgage payment:

Date of Birth:

Social Security Number: (We must pull your credit)

Estimated Credit Score:

Borrower Race:

List the names and ages of all dependents. (If none, put N/A)

Requested Loan Amount:

Enter the full address of the subject property including the City, State & Zip:

Current Mortgage Balance:

Current Value: (You can go to Zillow.com to get a Zestimate)

Any other monthly debts? List here or put N/A:

Upload latest mortgage statement:

Upload Driver's License here:

Upload Social Security Card here:

Annual Income: Check all that apply

Salary or hourly wages

Self Employment

SSD, SSI & Pension

Rental Income

Other

Salary or hourly - Employer: (Put N/A if none)

Salary or hourly - Start Date: (Put N/A if none)

Salary or hourly - Annual Income: (Put N/A if none)

Self Employment annual income: (Put N/A if none)

Other annual income: (Put N/A if none)

SSD, SSI & Pension Income:

I don't have this income (Skip this page)

I will complete this page

SSD monthly income:

SSI monthly income:

Pension monthly income:

Rental Income:

I don't have rental income: (Skp this page)

I will complete this page

Amount of Rental Properties:

Total annual income:

Is there a Co-Borrower?

No, there is no Co-Borrower

Yes, there is a Co-Borrower and he/she will complete their application next

Yes, I am the Co-Borrower & this is my application

If so, put their full name here or put N/A: (If you are the Co-Borrower, put the Borrower's full name here)

Use of Funds:

Home Improvement

Debt Consolidation

Other

Explain in detail:

There will be a one-time Tri-Merge Credit Report fee of $57 per borrower & you’ll be re-directed to the site pay after completion of this application. PhoneOps has to pull your credit to see what you qualify for. Do you understand?

Yes, I will pay $57 after completing this application

NOTE: If your credit is lock, you must unlock your credit from all 3 Credit Bureaus after you pay your invoice & keep it unlocked until we pull your credit to avoid paying another Invoice Fee of $57 per person. Do you understand?

Yes, all 3 Credit Scores are Unlocked. PhoneOps may pull my Credit

Enter the name of the person that sent you to this site to place your file as "Priority".

Checking this box means you agree to our terms which are: 1: You willingly applied online to one of PhoneOps mortgage loan programs and will complete the 3-Step Process for potential loan approval. 2: You agree that PhoneOps must pull your credit. 3. You agree that your credit is unlocked. 4. You agree that the one-time Tri-Merge Credit Report fee of $57 is NON REFUNDABLE.

Human Check

4 + 6 =

HOME EQUITY – FINANCING

ATTENTION HOME OWNER!

You were invited to our website to get approved for our Home Equity Program. PhoneOps Home Equity Loan Program has amazing benefits such as:

Pull cash out

up to $400,000

Automated Underwriting for Title and Value (No Appraisal)

The Work Number &

Plaid intantly verify income

No hazard

insurance needed

Real Time Payment

Funding even on Saturdays

As Soon As

Same Day Closings

If you like to take advantage of these benefits and need cash now, then this is the program for you.

PHONEOPS HOME EQUITY PROGRAM IS CURRENTLY AVAILABLE

IN THE FOLLOWING STATES: FL, PA, TX

GUIDELINES:

This program has standard guidelines and here’s just a few:

Loan Amounts:

$25k to $400k

Term: 5yr I/O draw period

converts to 25yr term

Minimum FICO:

640

LTV: 80% CLTV (OO)

70% CLTV (2nd Home)

DTI: 50%

(45% for credit below 680)

Funding: Close Now

Remote online closings

MINIMUM REQUIREMENTS:

* Must be able to show proof of income

* Application Fee $295 WAIVED

* A Tri-Merge Credit Report fee of $57

* A valid Driver’s License or State ID

* Must have a Checking Account

* A Social Security number

Home Equity Loan Program – Online Application