Some of the data providers we use are considered consumer reporting agencies. Spotloan makes whats called a soft inquiry on your credit report, as opposed to whats called a hard pull. Soft inquiries may or may not be recorded on your credit report, depending on the credit bureau, but soft inquiries generally do not result in a decrease in your credit score because of the inquiry.
In other words, checking your rate or just applying for a Spotloan wont affect your credit score. If we are unable to give you a loan based on reports we receive from consumer reporting agencies, we will include information in an email to let you know what data affected the decision. If you think there was a mistake, please contact the credit reporting agency.
The state of Texas is unique when it comes to cash out or home-equity loans. Unlike most states, Texas allows a home owner to only borrower up to 80 of their homes value. This is meant to protect home owners equity.
In addition, the state of Texas mandates that a cool off period be present between when a home owner solicits a home equity loan against their home and when they close on the loan. This cool off period is explained in the disclosure provided to you at time of application and is named the 12- day letter.
Furthermore, after closing of your home equity loan, Texas constitution requires a 3-day rescission period in which you may terminate the loan without obligation. There are other home equity requirements required by Texas constitution.
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Once you submit your information, you will be redirected to the lender's website where you can review the terms of the loan, including details about all the applicable rates and fees.
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