Home equity loans are a great way to gain some extra cash for home improvements, debt consolidation, or other big purchases you’re looking to make. Like any loan, it’s important to understand how a home equity loan works before getting one.
Because Everyone Deserves a Second Chance at Homeownership
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What Is the New Start Loan?
The New Start Loan is a portfolio mortgage built for borrowers who don’t currently meet traditional lending guidelines due to past credit events—but are ready for a fresh start. With flexible qualification requirements and real support, this loan helps you get back on track toward homeownership.
Life happens. Whether you’ve faced credit challenges, a past foreclosure, or financial setbacks, our New Start Loan is here to help you move forward. It’s designed for borrowers who are ready to own again—with a loan that understands your story and looks ahead, not back.
Why Choose the New Start Loan?
Built for Credit Comebacks
Had a bankruptcy, foreclosure, or other credit issues? This loan gives you a path forward.
Flexible Guidelines
We look at more than just your score—we look at your full financial picture and your recovery.
Supportive Underwriting
We’re not here to judge—we’re here to help you qualify with confidence and clarity.
Competitive Terms
Being non-traditional doesn’t mean expensive. We offer fair rates for borrowers who are ready to re-enter the market.
Exclusive Portfolio Option
This isn’t a cookie-cutter loan—it’s a custom solution built for your next chapter.
Who’s a Good Fit for the New Start Loan?
Borrowers with recent credit events
Individuals recovering from bankruptcy, foreclosure, or short sale
Renters ready to transition back to homeownership
Buyers who’ve been turned down elsewhere but are financially stable now
Your Past Doesn’t Define Your Future.
If you’re ready to move forward, we’re ready to help. The New Start Loan was built for second chances—and we’ll be with you every step of the way.
At Mortgage Center LLC, we offer some of the best rates in the industry. Our transparent pricing and expert guidance ensure you get the right loan for your needs—without the surprises.
At Mortgage Center LLC, we offer some of the best rates in the industry. Our transparent pricing and expert guidance ensure you get the right loan for your needs—without the surprises.
At Mortgage Center LLC, we offer some of the best rates in the industry. Our transparent pricing and expert guidance ensure you get the right loan for your needs—without the surprises.
At Mortgage Center LLC, we offer some of the best rates in the industry. Our transparent pricing and expert guidance ensure you get the right loan for your needs—without the surprises.
At Mortgage Center LLC, we offer some of the best rates in the industry. Our transparent pricing and expert guidance ensure you get the right loan for your needs—without the surprises.
At Mortgage Center LLC, we offer some of the best rates in the industry. Our transparent pricing and expert guidance ensure you get the right loan for your needs—without the surprises.
At Mortgage Center LLC, we offer some of the best rates in the industry. Our transparent pricing and expert guidance ensure you get the right loan for your needs—without the surprises.
At Mortgage Center LLC, we offer some of the best rates in the industry. Our transparent pricing and expert guidance ensure you get the right loan for your needs—without the surprises.
Whether you’re looking to manage your budget or want to figure out if you should buy or rent your next place, Mortgage Center has you covered. Check out our wide variety of calculators that can help you make the best financial decisions for your future.
Other Home Loans We Offer
Fannie Mae & Freddie Mac Fixed-Rate Loans
Your go-to option for long-term stability with predictable monthly payments.
We have worked with Mortgage Center for many years and for many different things. They are always on top of everything and do such an amazing job making sure you are satisfied with your loan. I would recommend them to anyone.
Joshua E., Credit Union Member
Our experience with the Mortgage Center was fantastic. The entire process from filling out the application to close went very smoothly and was so easy. Our team worked very hard to make the process as stress free and quick as possible. They were all very knowledgeable and kept us informed from start to close. I would absolutely recommend them!!
Mario G., Credit Union Member
The whole team I worked with were amazing. They were always there to answer any questions I had. The process was smooth and quick.
L. Oleston, Credit Union Member
Mortgage Center helped me get my first house! My MLO was super friendly and knowledgeable, and our closers were very helpful as well.
Madi W., Credit Union Member
The service was excellent. All the people involved were very supportive, professional and diligent. I did not consider credit union initially, but David Thomas was so convincing in his first call to me. I am so glad that I decided to go through the process with Mortgage Center!
A. Houenagnon, Credit Union Member
I’ve done two HELOCs previous to this it was the smoothest, most efficient, no anxiety process I’ve ever gone through. Kudos to ALL of you for your exemplary dedication to your job and your customer. Thank you all!
P. Duren, Credit Union Member
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