Our Services Phone: (800) 552-2154

Let Need Loans help you move in into your dream home, help you start up your own company or even help pay off your debt. As a California financial services company, Need Loans covers all aspects of your financial needs. Save money by letting Need Financial Services refinance and consolidate your debt loan, lowering the total amount of money you pay out each month. Looking at home improvements? Leverage the equity you have in your home by applying for a California home equity loan. Need Financial Services can provide a twenty four hour preliminary approval; you'll know if you qualify in as little as one day!

Providing quality California financial services with the respect and integrity you deserve is how we do business. Your loan officer will ensure that you understand every step of the loan process with no confusion - from application to approval.

	Please review our services offerings below: Commercial Services Residential Services Business Services Other Services

Business Loans
Starting a business isn’t always easy, especially when you don’t have enough funds for it. All of us need a little push to get moving, Need Loans specializes in just that. We can help you take care of your business without worries. Our team members are ready to give you a free analysis to determine the amount to be borrowed under the suitable plan

California Home Equity Loans - Equity loans (called home equity lines of credit) differ from regular refinancing because they do not disturb the existing first mortgage. They do not require the best of personal financial profiles. Since these loans are not sold to the secondary market, lenders can accept a higher risk. Therefore you can obtain a personal credit line even if you have less than perfect credit. If you have good to excellent credit, you may consider a 125 percent mortgage (personal credit line). These are 1st and 2nd mortgages that total up to 125% of the property's market value.

Before taking a home equity loan, look over these guidelines.

1. Make your mortgage payments a priority. It's your home that's on the line.
2. Don't go with a high loan-to-value product. Lenders who let you borrow more than your house is worth may not be doing you a favor.
3. Don't carry your home equity credit card or checks with you all the time.
4. Keep some equity freed up for emergencies.
5. Maintain good credit. Banks monitor your payment habits and if they see a change for the worse, they could reduce or freeze your credit.
6. Make sure to read the fine print in your loan agreement.