Irwin Home Equity | Products & Channels

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100% CLTV Home Equity Loan: up to 100% of the value of the property (minus first mortgage) with fixed rates and fixed monthly payments. Includes additional options for lower monthly payments or lower interest rates. Offers potential tax savings. This fixed rate product allows customers to know what the monthly payment will be for the life of the loan.

100% CLTV Home Equity Line of Credit: up to 100% of the value of the property (minus first mortgage) with a variable interest rate and the ability to use and reuse the line of credit for the first ten years of the loan. Interest rates based on Prime rate.

100% Fixed Rate Loan and HELOC:

		Cash-out, debt consolidation or rate and term refinance

		Up to 50% DTI

		No max property value

		Primary, second home and non-owner occupied residences

		SFR/Condo/PUD $300K at 94.99% CLTV, $125K at 100% CLTV

		Non-owner occupied SFR refinance to $100K/89.99% CLTV

		Minimum middle credit score 660 (restrictions apply)

		Competitive pricing

		No mortgage insurance required


	I wiped out all of my high interest bills and have more money in my pocket each month.”

	—R. Summy Ingleside, IL

IHEPartners.com

Learn more about IHE’s Wholesale & Correspondent divisions.

States

Find out if IHE offers its products and services in your area.

Irwin Family of Companies

IHE is part of a family of companies.

This information is intended for Mortgage Professionals only and is not intended for consumer distribution. Certain loan rates, terms and programs may not be available in all states, to all consumers, or via all origination channels and are subject to change without notice. Loans will be made by Irwin Union Bank and Trust Company. Irwin Home Equity is a Residential Mortgage Licensee in Illinois. Irwin Home Equity is a subsidiary of Irwin Union Bank, which is part of the Irwin Financial Corporation family of companies. State restrictions may apply.