Achieve Home Loans' Unique Edge
1. Personalized Attention: They prioritize understanding the circumstances and obstacles faced by each individual, assessing what supports or hampers their financial goals.
2. Holistic Solutions: Whether it's finding financial products, accessing real-time accounts, or taking steps towards financial objectives, Achieve offers education, tools, and innovative digital solutions, all delivered with empathy and relationship-driven support.
3. Inclusive Expertise: With a strong foundation of over 20 years helping people across diverse credit spectrums, not just a privileged few, they possess invaluable insights into consumer behavior and financial habits.
4. Unparalleled Insight: Backed by robust data and analytics, they possess an exceptional understanding, enabling them to assist individuals in recovering from financial setbacks and forging a sustainable path.
5. Intelligent Pairing: Utilizing sophisticated data modeling, consumer-friendly technology, and tailored financial products, they cater to the specific needs and goals of each member, leveraging their extensive experience to deliver optimal results.
What is a home equity loan through Achieve
It’s a home equity line of credit. You can borrow money from it, pay it back, then borrow again during the first five years of your loan term.
Will this impact your existing mortgage?
No. home equity loan does not touch your first mortgage rates or terms.
Is getting a home equity loan complicated?
No. There’s less paperwork than a typical first mortgage refinance. In most cases, there’s no need for an in-person appraisal of your home. You can receive the funds in as little as 15 business days.
What can you do with a HELOC?
Simple. You can pay off all your high-interest credit cards and personal loan debts and enjoy a huge feeling of relief. A short time after your loan closes, they send you a parcel of creditor payoff checks. These are made out to your current creditors in the amounts needed to clear your debts with them. If you qualify for more money than what’s needed to consolidate your debt, you can take cash out from your line to use for other purposes: major purchases, home improvement, medical expenses, etc.
***All loan requests are subject to eligibility requirements, application review, loan amount, loan term and lender approval. Product terms are subject to change at any time. Home loans are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $150,000 and are assigned based on debt-to-income and loan to home value. Minimum 640 credit score applies for debt consolidation requests, minimum 670 applies to cash out requests. Other conditions apply. Fixed rate APRs range from 10.25% - 17.00% and are assigned based on underwriting requirements. Offer APRs listed include a .50% discount for automatic payments (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10 and 15 year terms available. Both terms have a 5 year draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and generally include origination (2.5% of line amount minus fees) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan to value may not exceed 80%, including the new loan request. Property insurance is required as a condition of the loan and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral and could lose your home if you fail to repay. Average funding time ranges between 15 to 18 days from submitted application and documentation and includes rescission.
The financial solutions for which you will be evaluated are offered by service providers with which we are affiliated and/or compensated by who participates on our website. Terms and conditions apply to each, and not all are available in every state.
Achieve.com, a d/b/a of Bills.com, LLC (NMLS ID #138464) operates as a marketing lead generator for affiliates and non-affiliates, and as a broker for loans and debt resolution services offered by its affiliates. We also offer certain mobile applications that allow consumers to view and analyze their finances. We may take applications for our affiliates, but we do not make credit decisions, originate loans, process consumer loans or bill payments, or provide any other financial services. We do not collect any fees or other compensation from consumers
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). All loan requests are subject to eligibility requirements, application review, loan amount, loan term and lender approval. Product terms are subject to change at any time. Home loans are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $150,000 and are assigned based on debt-to-income and loan to home value. Minimum 640 credit score applies for debt consolidation requests, minimum 670 applies to cash out requests. Other conditions apply. Fixed rate APRs range from 10.25% - 16.50 and are assigned based on underwriting requirements. Offer APRs listed include a .50% discount for automatic payments (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10 and 15 year terms available. Both terms have a 5 year draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (2.5% of line amount) and underwriting ($725) fees if allowed by law. Average funding time is between 15 to 18 days from submitted application and documentation. Property must be owner-occupied and combined loan to value may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral and could lose your home if you fail to repay. Contact Achieve Loans for further details. We could beat your personal loan rate by 50%: Claim is based on loan rates of 24%+ and 10-year loan through Achieve Loans.
Affiliated Business Arrangement Disclosure: Achieve.com (NMLS #138464), is a wholly owned subsidiary of Achieve Company. Achieve Company also owns 99% of Achieve Loans. Because of this relationship, your referral to Achieve Loans may provide Achieve.com a financial or other benefit. Where permitted by applicable state law, Achieve Loans charges: 1) an origination fee of 2.50%, and 2) an underwriting fee of $725. You are NOT required to use Achieve Loans for a home equity line of credit. Please click here for the full Affiliated Business Arrangement disclosure form.