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Understanding State Fee Restrictions for 2nd Mortgages

Second Mortgage Outlet offers helpful information regarding State fee restrictions for second mortgages. Many applicants have asked us what fee restrictions are in place for second mortgage loans. Second Mortgage Outlet is in the process of outlining the guidelines for state fee restrictions for your convenience. We offer solutions for both fixed second mortgages and revolving home equity credit lines.

California, Georgia, Indiana, Massachusetts, Michigan, New Mexico, Utah, Virginia, and Washington are just a few states that have issued state specific fee restrictions that limit what brokers and lenders can charge consumers. Unfortunately these lending restrictions force a lot of potential borrowers to have to borrow more money than they need, because the fee restrictions do not cover the cost to fund a loan unless the lender offers a larger loan amount. The unfortunate reality is that many people do not qualify for a second mortgage that would lower their payments and save them thousands of dollars in interest each year. Hopefully capitalism and a free economy will evolve again for the mortgage industry, because the state and federal governments getting involved in pricing only hinders consumers. The state restrictions do not force lenders to reduce interest rates. In most cases the fee restrictions only reduce the amount of consumers that would have qualified for a loan otherwise.

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State Fee Restrictions

Second Mortgage Outlet offers reduced cost second mortgages to consumers in all 50 states. Our second mortgage products are secure and often they can help reduce your monthly payments with lower interest rates. Call or apply online to get a second mortgage set up immediately.


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