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View Full Version : Who Does Loans On Non-Owner Occupied


BOUTYM
04-28-2007, 11:26 AM
My wife has a house that's paid for and worth about $600,000. We are wanting to rent the property, but need to so some minor renovations and have been looking for a lender that will give equity lines on non-owner occupied property in the New York area. This has turned into something similar to the quest for the Holy Grail and I'm having a hard time understanding why.

We have been working with M&T Bank because they are the only one we found locally that will do it, but dealing with them has been a nightmare because of their less than efficient method of doing loans. We are looking for another lender that is will do these types of loans and is responsive (read that as they actually want our business).

subprimealta
05-26-2007, 05:50 AM
countrywide
gmac
chase bank

they all do equity lines

OregonLO
05-26-2007, 09:36 AM
there should be tons of places you can go with that. What is the Loan to Value that you are going to?

JoeT
06-05-2007, 11:25 AM
How much are you looking to take out? If youre taking out a significant amount, your best bet is to take out a first mortgage on the house. Your interest rate will be much lower than an equity loan, and you wont have to search high and low to get it done. Considering you own the house im sure you can get a good rate as well. If you need help you can email me at jtorto@topdot.com.

Joe