In the state of Texas once you have completed a cash-out or home equity loan on your homestead or primary residence the maximum loan-to-value (LTV) allowed thereafter is 80. This restrictive ruling is actually part of the Texas Constitution (see section 50 (a) (6) article XVI).
County records identify the fact that the home had previously had home equity lien filed against it. This will be the case until the home is sold or conveyed to a different party removing this restriction. Until then, the liberty life quick loan allowable loan-to-value is 80. So if you are in the process of refinancing your current loan please remind your HomeStart Loan officer if you had previously performed a cash-out or home-equity loan against your home.
Liberty life quick loan collateral is required. Only you can decide if a Spotloan is right for you. Banks, credit cards, or even friends and family may be able to offer you better loan terms.
We encourage you to check with them before you apply for a Spotloan. Spotloan SM is a brand owned by BlueChip Financial, a tribally-owned entity liberty life quick loan under and governed by the laws of the Turtle Mountain Band of Chippewa Indians of North Dakota, a federally recognized Indian Tribe. BlueChip is located on and operates within the Tribes reservation.
Please note: This is an expensive form of credit and is intended only for short-term financial needs. Spotloans are designed to help you deal with emergencies such as rent, medical bills, car repairs, or expenses related to your job. Spotloans are not intended to solve longer-term credit or other financial needs, and alternative forms of credit may be better for you, including borrowing from a friend or relative; using a credit card cash advance; taking out a personal loan; or using a home equity loan or savings.
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