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When you refinance your first mortgage with us, borrow up to 95% of your home's equity, after subtracting your first mortgage. As a mortgage and home equity lender, we offer those with good credit generous 2nd mortgage loan amounts from $20,000 to $300,000.

Fixed rate and affordable monthly payment Enjoy the peace of mind that comes from knowing exactly what your payment will be each month. Our home equity loan has no rate hikes, no surprises. Simplify your life with one payment on the same date each month, instead of managing multiple bills with due dates scattered throughout the month.
Rate reduction To structure your loan with the lowest possible monthly payment or lowest possible interest rate, you have the option of choosing a loan that has points and/or prepayment charge to lower your rate. (Not available in all states.)
Tax advantages The interest you pay on your Premier Equity loan is often completely tax-deductible. Most other forms of credit don't offer any tax deduction. Consult a tax advisor about the specific tax benefits available to you.
Consolidate debt or get the cash you need You can use your home equity loan to consolidate your high-rate credit cards, loans, or other expenses. Plus, you can get the cash you need for home improvements or upcoming expenses, all with one easy payment. With rates lower than most credit cards, what are you waiting for?
A choice in loan term 10, 15, 20, 25 and 30-year loans are available.
No origination fees You'll pay no application fee and no origination fee.
Convenience Applying for a Premier Equity loan couldn't be easier. You can submit all the necessary information by email, phone, and fax. We'll do the rest. In most states, we can even arrange for an agent to come to your home when it's time to sign your final loan documents.
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First Mortgage Combination Mortgage Home Equity Loan Home Equity Line of Credit

"We now have over $500 extra each month thanks to our Premier Equity Loan."
-T. Weeden
Wayland, MI
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Irwin Union Bank and Trust Company
1818 E. College Parkway, Suite 103
Carson City, NV 89706
Product offerings vary by state, call us to find out which products are available in your state. If you are consolidating pre-existing debt, depending on the loan you select and the debt you are paying off, in some instances the total number of monthly debt payments and the total amount paid over the term of the loan could increase.

Copyright © 2001-2008, Irwin Home Equity Corporation. All rights reserved.