Home equities are really second mortgages.  They sometimes work well if you want money to repair your home, send a child to college or consolidate bills when your first mortgage rate is very low and you do not want to refinance it. 

Another home equity take the form of a Line of Credit. Sometimes you do not have an immediate use for the money. However, a line of credit is really a reserve account that is available to be drawn upon in case of an unexpected emergency, home repairs, for vacations, or any other reason. A Line of Credit is also a second mortgage.

Sunshine Mortgage is not a bank.  We do not report to our depositors.  We work with all kinds of credit; some that is excellent, and some that is marginal.

It's not always easy to prove your income, especially if you are self-employed.  However, since we work with a variety of lenders that do not require proof of income, it works very well for the self-employed whose accountant expense them out so that it appears that that you make less than you actually do.

Regardless of your credit score