What is the best place to get a good loan?

Sgt Private RallyPoint Member — Sun, 30 Aug 2015 23:59:38 -0400

I have a house in my name and I need an equity loan on it to improve the houses condition. Not a lot really. Roughly 25k but since I'm active duty I know there are places to go where I can get a good loan with a relatively low interest rate. Does anyone know where I could get one of those and what kind of acts there are to ensure I get a low interest rate? I know there's the SMRA which helps but I don't know if it would apply. In any case, I have Navy Fed and I'm considering USAA since they usually give out good loans. My credit is not very good honestly. High 500's/low 600's. But this is a necessity really and I'm just looking for some advice. I've already talked with my chain of command/authority about it and they have their concerns but they are on board to this point. Just trying to cover all bases and see where else I should look so things go smoothly. Thank you everyone and again, any advice is helpful. Please refrain from commenting anything negative like "you're too young to have that responsibility so be more mature and just wait until you are older". Thank you again

Response by Capt Seid Waddell made Aug 31 at 2015 12:00 AM

Capt Seid Waddell — Mon, 31 Aug 2015 00:00:27 -0400

You can't beat USAA.

Response by SCPO Private RallyPoint Member made Aug 31 at 2015 1:08 AM

SCPO Private RallyPoint Member — Mon, 31 Aug 2015 01:08:32 -0400

New Day USA...the company with all the veteran commercials. We did a 100% refinance, paid everything off, did some remodeling, and have money in the cookie jar!!!

Response by PVT Robert Gresham made Aug 31 at 2015 1:10 AM

PVT Robert Gresham — Mon, 31 Aug 2015 01:10:17 -0400

I have to agree with Capt. Waddell. Try USAA. They will work with you more than your average bank to ensure that you get your credit. There are never any promises, but this is probably your best shot. Ensure however that the payment are within your budget !! If you really are not sure, then it's better to wait a year and give it a try when you are feeling a bit more confident.

Response by CAPT Kevin B. made Aug 31 at 2015 3:18 AM

CAPT Kevin B. — Mon, 31 Aug 2015 03:18:25 -0400

Make sure you check out your military credit union. I got an equity for remodeling and they had the best rate. Customer service with Navy Federal left a lot to be desired, but with auto-pay I haven't had to deal with them much.

Response by SCPO David Lockwood made Aug 31 at 2015 6:54 AM

SCPO David Lockwood — Mon, 31 Aug 2015 06:54:40 -0400

In my experience I recommend Navy Federal Credit Union. Pretty much hassle free.

Response by Amn Private RallyPoint Member made Feb 26 at 2022 9:34 PM

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Response by Amn Private RallyPoint Member made Feb 26 at 2022 11:06 PM

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Response by CPL Nick Joky made Mar 30 at 2022 9:25 PM

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