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Se with less than perfect credit offered by Countrywide Home Loans' Full Spectrum® Lending Division. Quick help for selecting the equity loan program for you: For a list of features on any of these loans, just click the name of the loan program. Loan ProgramReason to Choose ItKey FeatureHome Equity LoanYou want the entire loan balance at once and a fixed rate.Principal and interest payment remains the same over the life of the loan.Home Equity Line of CreditYou want to be able to borrow money as you need it – up to the credit limit.Low start rate, then variable monthly rate based on outstanding balance.Combining Home Equity Loans or Lines of Credit With First MortgagesYou want to:Use it for a down paymentAvoid paying mortgage insuranceAvoid jumbo (non-conforming) home loan pricingCan provide additional tax advantages (ask your tax advisor) and is available on most loan programs.Super Streamline Home Equity Line of CreditYou recently took out a home loan with Countrywide and may want to:Consolidate credit cardsDecorate your new homePrepare for future needsSame Home Equity Line of Credit benefits. Skip most of the paperwork and have the cash you need in no time at all if your job and financial situation haven't changed significantly since we closed your recent loan. Some restrictions apply.125% Equity LoanFor borrowers with better credit who have a need for funds in excess of available home equityLoan amounts up to 125% of the value of the home See HELOC Terms Summary for important terms on our most popular home equity lines. service guarantees why choose Countrywide? loan st

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