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Helping Homeowners Since 1984

Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.

Welcome to Equity Now Inc.

We want to get to know you so that one of our seasoned loan officers can offer you the ideal financing solution. We are proud to have helped finance thousands of loans, helping Americans find, keep and afford their dream homes.

Start Your Mortgage Journey

Finding a great home loan involves careful consideration of your needs, finances and history. We are here to guide you.

Equity Now In The News
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Lenders Are Deluged With Refinance Requests as Virus Sends Rates Lower

https://www.policygenius.com/blog/heloc-vs-cash-out-refinance/ What's the best way to pay for your home renovation? By Mia Taylor Image: DPproductions(Getty) Taking out a loan against your home equity is a popular way to pay…

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Lenders Are Deluged With Refinance Requests as Virus Sends Rates Lower

The Wall Street Journalhttps://www.wsj.com/articles/lenders-are-deluged-with-refinance-requests-as-coronavirus-sends-rates-lower-11584351003  Lenders Are Deluged With Refinance Requests as Virus Sends Rates Lower Orla McCaffrey, Julia Carpenter and Ben Eisen March 16, 2020 Record-low mortgage rates are delivering…

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What Is Mortgage Underwriting? Explaining The Underwriting Process

What Is Mortgage Underwriting? Explaining The Underwriting Process Lauren Ward August 24, 2021 https://time.com/nextadvisor/mortgages/underwriting-process/  Buying a home is an exciting, big step. You’ve found a house and evaluated lenders to…

Customer Reviews
  • Works to the advantage of customer Luis was honest and very friendly. He was approachable and helped in closing the loan in fastest time. He provides... read more

    ACH
    7/20/2021

    Amazing service Luis and his team provided excellent service. He was friendly, pleasant and worked tirelessly to get our deal done. Luis... read more

    CarlosPerez611
    7/09/2021

    Luis was great to work with Luis made the process of refinancing easy.He walked us through every step.He also answered all questions and concerns honesty.As a... read more

    CarlWebb1
    7/07/2021
  • LUIS, YOU ARE THE BEST! Writing this review reminds me of a very pleasant and stress-free experience that my wife and I have had ... read more

    oscar micu
    7/05/2021

    Great Experience. Luis and Equity Now. After wasting about 16 months with three other banks/lenders, trying to refinance my house, I called Luis and explained my... read more

    Pllumb Nacaj
    7/03/2021

    VERY SMOOTH REFINANCE! Equity Now is a great company to do business with. My Loan Officer was Leif Jameson. He was very... read more

    cbryant180
    6/21/2021
  • Amazing Company Equity Now is a top-notch mortgage company. The customer service was personalized and excellent. Even when underwriritng began, the... read more

    lisakdavids
    2/04/2021

    Easy and Professional! Working with Leif at Equity Now was easy and professional. Leif kept me up to date of the status... read more

    hillerpatricia29
    2/03/2021

    What stress? Working full time from home, with a 6 year old remote learner and a 2 year old; Gio worked around... read more

    deavecchio
    1/24/2021
  • Giovanni Scott Acosta - Equity Now Inc. My Lender was and is exceptional, and Equity Now is better-off for having Giovanni Scott Acosta working for them. ... read more

    gemval2
    1/18/2021

    Easy process! Gio made the process very simple without headaches and frustration. It’s a no brainer. He was easy to work with... read more

    mmarino8202
    1/16/2021

    So helpful!! Giovanni helped us out so much! We had problems with our prior lender and Giovanni stuck with us throughout the... read more

    meganacuzar
    1/12/2021
  • Best Direct Mortgage Lender I've Used for Refinancing I worked with Leif Jameson to refinance my home from a 30-year fixed @ 4.375% to one @ 2.500%. ... read more

    Erol
    1/05/2021

    Couldn't be better We wanted to refinance to take advantage of lower interest rates and tried to do so with the lender we... read more

    pgb059
    12/22/2020

    Luis was awesome! We had a great experience with Luis and Equity Now! So good I had my son also refinance with him.... read more

    melsasser
    12/01/2020
Some Helpful FAQs
What information should I have available when I am ready to apply?

For your initial pre-qualification we’ll ask you questions about your income, assets, and employment.  We will also order a credit report to check your credit score and history.

Once you start the application process we’ll need to verify the information you gave us.  In many cases, we can do this digitally and you do not need to provide any documentation.  In some cases, we may request specific documentation, such as your last two years of income tax returns, bank statements, pay stubs or documents pertaining to other personally owned real estate. You’ll receive a clear checklist of required documentation needed to obtain a final approval. In some cases, our Underwriting Department may request additional information. 

Do I need to find a home before I apply?

No!  Getting started before you find a home may be the best thing you could do!

If you get started before you have a property to purchase, we can issue a pre-qualification subject to you finding the perfect home, which you can use to assure real estate brokers and sellers that you are a qualified buyer. Getting pre-qualified for a mortgage will even give more weight to any purchase offer you make.

When you find the perfect home, you’ll need to call your Loan Originator and provide your signed purchase agreement to complete your application. You’ll then have an opportunity to lock in our great rates and fees and we’ll complete the processing of your loan.

I’ve heard about getting a Pre-Qualification, but what’s the advantage if I haven’t even started looking for a house yet?

You wouldn’t go shopping for a new car without knowing how much you can afford. Why would buying a home be any different? 

Pre-Qualification Today = Less Stress House Shopping Tomorrow

Let’s face it. One of the most stressful things about buying a home is adjusting to your new mortgage payment. Knowing your family’s financial boundaries before shopping for your new home can make the process go much more smoothly. 

Your pre-qualification is an essential tool when house shopping because it: 

  • Determines what homes are in your price range 
  • Assures real estate brokers and sellers that you are a qualified buyer 
  • Can be used to your advantage in future negotiations 
What are the benefits of owning a house? What are the advantages over renting?

There are many advantages to homeownership:

A sound investment – When you carefully choose a home you can afford, the payoff can be great. As a homeowner, instead of paying rent to a landlord, each month when you make your mortgage payment, you are building equity in a place of your own. The more mortgage payments you make, the more equity you’ll have. And unlike most things you buy, a home can actually appreciate in value as time passes, building more equity.

  • Tax advantages – The mortgage interest and real estate taxes you pay may be tax deductible which can reduce your tax bill.  Please consult your tax advisor. 
  • Real estate is marketable.
  • You can make your own decisions about design and décor.
  • You can invest in upgrades that will not only bring you pleasure but can also add to the value of the property over time.
  • You have control over the piece of property. You are not answering to a landlord.
Does Equity Now have a Heter Iska that complies with the laws of Ribbis?

Yes, Equity Now has a Heter Iska that is approved by prominent leading Halachic authorities.

What are your goals? Everyone is unique, request your personalized rates and fees.
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