Keep That Low Rate!

Get your Home Equity Loan (“HE-Loan”) in as little as 5 days

HELOAN Details

• Loan amounts between $25,000 – $750,000.

• Use for debt consolidation, home improvements, and more.

• Finance up to 85% of your home’s value.

• 620 credit score minimum.

• Soft credit pull only for pre-approval.

• 30-year, fixed-rate loan.

• Fully amortized; no “interest-only” or introductory repayment periods.

• 1st, 2nd, or 3rd lien position allowed.

• Primary residence and investment properties OK.

• Low rates & fees based on credit score, home equity, property type, and lien position.

• NO appraisal required.

• NO prepayment penalty

• NO pay stubs, taxes, or W2s required.*

*For most borrowers, income is verified through automated analysis of bank deposits.

Estimate Your HELOAN Payment

Loan Amount $

Mortgage Term

. ($)

00.00000%

. ($)

0.000000%

Interest Rate (%)

9.00%

Want a Copy of the Results?

$1421

Monthly Payment

Principal & Interest $1421

. $1421

Interest rate is for illustrative purposes only. Interest rates vary based on a variety factors including but not limited to: FICO score, loan-to-value, property occupancy, lien position, loan term, origination fee, and property type. This is not an offer to lend.

How Does A HELOAN Work?

A HELOAN, or home equity loan, lets you access your home’s equity without refinancing your current mortgage. The terms “HELOAN” and “HELOC” (home equity line of credit) interchangeably. However, a few key differences set them apart.

A HELOAN is usually a fixed-rate, closed-ended loan, like an auto loan. You apply for and receive the full amount that you were approved for and pay a fixed monthly payment over a set period, usually 10 to 30 years. Prepayments are allowed without penalty.

To contrast, a HELOC often has a variable interest rate and works like a credit card: you can draw on it as needed and only pay interest on what you use.

A HELOAN is great for when you have a set goal: debt consolidation, home improvements, down payment on another home, etc. Our HELOAN has a few specific benefits that set it apart from other 2nd mortgage programs:

Ability to use bank statements to verify income – ALL deposits are typically treated as income, which can work in our favor if your debt-to-income ratio has been a problem with other 2nd mortgage programs offered by other lenders. We generally don’t require pay stubs, tax returns, or W2s.
We exclude the monthly payment of debts that will be consolidated when calculating your debt-to-income ratio – This gives us a greater ability to approve you for the amount you need to reach your debt consolidation goals.
No appraisal required for loan amounts up to $400,000 – This allows us to fund your HELOAN in as little as 5 days and avoids costly appraisal fees.

We have a proven track record of funding loans where other lenders said “no.” Follow below to learn your options.

How To Apply For a HELOAN

Option #1

Determine your goal(s): pulling equity for home improvements, debt consolidation, etc.
Contact me by phone/email below to discuss potential options.
If it seems like our program is a good fit, I will take your application verbally.

Option #2

Fill out the application below.
I will review it and contact you to discuss your options.

HELOAN Application Form

How much equity would you like to cash out?*

Do you have a mortgage on your house?*

Estimated mortgage balance*

Do you have a 2nd mortgage or HELOC on your home?*

Estimated 2nd mortgage/HELOC balance*

Property address for financing*

Apt, Suite, Unit

City*

State*

Zipcode*

Ownership Type*

Occupancy*

What is the address of where you live?*

Is your property listed for sale?*

Legal First Name*

Legal Last Name*

Suffix

Date Of Birth MM/DD/YYYY*

Phone Number*

Email Address*

Employment (check all that apply)* Employment (check all that apply)* Employed full-time Employed part-time Self-employed Retired Alimony, child support, or separate maintenance payments Disability or public assistance Unemployed

Total gross annual income from primary source*

Additional gross annual income from (rental, investment, etc)

Estimated Credit Score*

Who referred you?

Referrers Name and Phone Number

Opt-In Opt-In I consent to receive phone calls and text messages from Click Mortgage and Rob Breiner.

Soft Credit Check Authorization Soft Credit Check Authorization I consent for Click Mortgage and Rob Breiner to run a soft credit inquiry with one or more of the following credit bureaus Experian, Equifax, or Transunion.

By submitting this application, you are authorizing a “soft” credit check. To check the rates and terms you may qualify for, we will conduct a soft credit pull that will not affect your credit score. A hard inquiry will only be obtained once you agree to proceed with the full HELOAN process. A hard credit pull may affect your score.

Click Mortgage, a division of Golden Bear Capital
12481 High Bluff Dr, Suite 300, Office 334
San Diego, CA 92130

Rob Breiner

619-300-2800

Robert Breiner. Licensed Loan Officer NMLS# 1199942 | DRE# 01960372 Golden Bear Capital Inc. DBA Click Mortgage | 10174 Old Grove Road Suite 140, San Diego, CA 92131 | Phone: 888-440-3001 | Fax: 888-500-5815 Golden Bear Capital Inc. DBA Click Mortgage (NMLS# 284021) is licensed by the California Department of Business Oversight (CFL License# 603H185) and the California Bureau of Real Estate (License #01847011), Nevada Division of Mortgage Lending License #4043), Utah Division of Real Estate (License #6332409), Washington Department of Financial Institutions (CL-284021).

We are licensed to lend in the following states: Arizona, California, Colorado, Florida, Missouri, Nevada, Texas, Utah, & Washington | NMLS Consumer Access