Local real estate price fluctuations can result in lower home values, especially if external economic factors impact where you live. It’s certainly possible to end up underwater, owing more than your home is worth.. Alternatives to Home Equity Loans. In many cases, a home equity loan is a.

Local home lenders for bad credit Northern California Where to find home construction loans. To begin the process of applying and qualifying for a construction loan, talk to your bank. Most construction loans are issued by banks rather than mortgage companies, as the bank will hold onto the loan until the project is complete.

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