Obtaining cash to consolidate your debts, for home improvements, or for any reason has never been easier. There are two approaches a borrower can take to secure the needed cash. The first approach is to refinance your existing 1st mortgage into a new loan along with the additional "cash-out" proceeds. Although the lower interest rates of a 1st mortgage may have some appeal, many borrowers do not meet the equity requirements for this approach, or do not want to make any change to their current 1st mortgage loan. A second approach is to take out a 2nd Mortgage/Home Equity Loan. This can be a very flexible and beneficial option for securing the needed cash.

Although Universal Funding wishes it could publish an easily understandable matrix of its interest rates for 2nd Mortgages/Home Equity Loans, there are frankly too many qualification variables to make this feasible. These qualification variables include:

• Borrower's Credit Grade/Credit Score

• The Amount of Equity in your Home

• Borrower's Debt-to-Income Ratio

• Loan Amount

• Term (length in years) of the New Loan

You can Apply online or contact us for a FREE rate & payment quote based on your current situation.

Sample Potential Savings of a Debt Consolidation Loan

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Debts to Consolidate	Your Current Monthly Payment	Universal Funding Monthly Payment ($50,000 Loan at 5.25%)
Credit Card 1	$175
Credit Card 2	$150
Car Loan	$350
Furniture Loan	$85
New Computer	$120
Medical / Dental	$90
TOTAL PAYMENTS	$970	$299
MONTHLY SAVING	$671*

* New Payment may also be tax deductible. Consult your tax advisor.

Universal Funding, LLC is a licensed mortgage company in the states of Maryland and District of Columbia.
©2007 Universal Funding, LLC. All Rights Reserved.
5620 St. Barnabas Rd., Suite 290, Oxon Hill, MD 20745
Phone 301.505.2515 Fax 301.505.2518 Email info@universalfundingllc.net
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