Home Equity Lines of Credit
No Doc Fast Equity Home Loans
Fixed Rate Second Mortgages

Home Equity Lines of Credit

At Viriva, homeowners can take advantage of the equity in their home to get the cash they need.  With a Home Equity Line of Credit, you’ll enjoy a variable rate for the term of the loan.  Simply apply for the Line of Credit, and qualified members will be approved for a certain amount.  We’ll also provide you with a customized checkbook linked to your HELOC, so accessing your funds is as easy as writing a check. If you’re a homeowner in need of some cash, this may be the solution for you!

• Competitive rates and terms up to twelve years
• 80%-100% loan-to-value (LTV) financing*
• Instant decisions when you apply online.  
• 7-year draw period
• Credit Lines up to $75,000*

*For qualified borrowers.

No Doc Fast Equity Home Loans

• Financing up to $50,000
• No income documentation required

To qualify:

1. Own and reside in the home being used as collateral.
2. Good credit history (credit score of 680 or above).
3. Have at least 5 credit bureau tradelines (currently outstanding or paid loans/credit cards that appear on your credit report).

Fixed Rate Second Mortgages

If you’re a homeowner looking for the stability of a fixed rate and term for your home equity loan, then a Second Mortgage may be the option for you.  With this type of loan, homeowners enjoy a stable rate and term for the duration of this loan, which uses the equity of your home to determine your amount.