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 Loan and Credit FAQ's 

Where can I get help with my application?
Call us at 1-866-458-4655, and we will be happy to help you.

What type of loan is best for home improvements, a home equity loan or a home improvement loan?
Depending upon the amount of equity you currently have in your home, a home equity loan may be the better way to fund your home improvements because its interest payments are usually tax-deductible. If you have little to no equity in your home, then you should apply for a home improvement loan.

Why do I have to wait 12 days from the time I sign the Notice Concerning Extensions of Credit before I can close on my home equity loan?
Texas law requires that at least 12 days elapse between the time a potential borrower signs the Notice Concerning Extensions of Credit and the closing of the loan.

Is there an application fee for a home equity loan or a home improvement loan from IBC?
NO!

What does the "loan to value" ratio mean?
This is the ratio of equity to debt, represented as a percentage that results from dividing the total amount of loans outstanding and the value of the house.

What is the difference between a home equity loan and a second mortgage?
A home equity loan can be one type of second mortgage, if there is already a first mortgage on the property. A home equity loan can also be a first lien mortgage if there are no other loans outstanding that are secured by the property.

Is a home improvement loan also considered a second mortgage?
A home improvement loan can be one type of second mortgage, if there is already a first mortgage on the property. A home improvement loan can also be a first lien if there are no other loans outstanding that are secured by this property.

Could I use a home equity loan to refinance my first mortgage?
Yes. Interest rates on home equity loans may be lower than your current mortgage rate. Please call us at 1-800-868-8998.

Are there any prepayment penalties on home equity or home improvement loans?
NO! We do not charge prepayment penalties on either home equity or home improvement loans.

If I use a home equity loan to consolidate my debts, how much will I be able to save on my monthly debt payments?
Use our calculator to find out how much you can save.

Do you make loans in states other than Texas?
Yes, Oklahoma.