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We’re Here to Help You Meet Your Emergency Financial Needs

We’re Here to Help You Meet Your Emergency Financial NeedsIf you’re in the position of needing money unexpectedly, your home equity may provide the solution you’ve been looking for. A home equity loan can give you the funding you need to cover costs during an emergency, or stay afloat during a temporary financial shortfall.

Savings Aren’t Always Enough

We get it. Even if you’re one of the two thirds of Canadians who has an emergency savings fund available to cover unexpected events and expenses, you can’t be prepared for everything, all the time.

Some of the most common reasons why homeowners suddenly find themselves short financially include:

  • Struggling to establish a new business or meet self-employment expenses.
  • Changes in income levels or being laid off from work unexpectedly.
  • Getting stuck with home or property damage that isn’t covered by insurance.
  • Having to cover medical bills related to an accident or health emergency.

Fortunately, in every one of these cases the equity you’ve built up in your home may be your best bet for weathering the financial storm safely. So it’s well worth exploring your options for a home equity loan.

Home Equity Loan Basics

Your home equity is the amount of money your home’s worth right now, less the amount you still owe on your mortgage. And that’s good to know because, for many borrowers, the value of their home will have increased since they bought it.

Your property is also considered collateral, which means that home equity loans typically come with larger amounts – and lower interest rates – than many unsecured or personal online loans.

Just the same, getting a home equity loan approved through the banks can sometimes prove challenging, especially if you have:

  • limited or uncertain income,
  • income that’s based predominantly on CPP or OAS pension payments, or
  • a credit history that’s in disrepair

And that’s not very comforting when you have more money going out than coming in – and a mounting stack of bills threatening to damage your credit score even further.

No Matter What, We’re Here When You Need Us

So what happens if you have a financial emergency and you can’t meet the banks’ eligibility requirements?

Not to worry. Alpine Credits has your back.

Our lending specialists have been providing Canadian homeowners with home equity loans since 1969 – and we’re here to help you get the money you need, when you need it.

At Alpine Credits, we provide financial solutions so you can meet your temporary expenses and loan applications can be approved within 24 hours.  Best of all, you can expect the same efficient, personalized service our clients have come to expect over the years – regardless of your credit history, income, or age.

No matter what unexpected or emergency situation you’re faced with, the Alpine Credits team is right here with you.

At Alpine Credits, Homeowners Get Approved.

Apply now or call (1-800-587-2161) to find out how you can subscribe for RESP through your home equity.