Question 1

What is an equity appreciation loan?

Accepted Answer

It uses your home's projected value growth to shape your financing terms. It's different from a standard home equity loan or HELOC.

Question 2

Do I need a lot of equity to qualify in Grand Terrace?

Accepted Answer

Yes. Lenders want to see meaningful existing equity before extending this product. The more equity you have, the stronger your position.

Question 3

How does this compare to a cash-out refinance?

Accepted Answer

A cash-out refi replaces your mortgage. This product works alongside it, using appreciation projections to structure better terms.

Question 4

Can SRK CAPITAL find this product in San Bernardino County?

Accepted Answer

Yes. SRK CAPITAL works with 200+ wholesale lenders, including those offering specialty equity products not available at retail banks.

Question 5

Are equity appreciation loans considered non-QM?

Accepted Answer

Not necessarily. Some fall within standard guidelines, but program availability and structure vary by lender. Always verify with your broker.

Equity Appreciation Loans in Grand Terrace, CA