The HomeDiv process does not depend on any one type of loan. The lender you choose will determine the loan products that are offered. You can review the products of several lenders to find the best ones suited to your needs.

The main difference is that HomeDiv holds a second lien on your property which is held until you decide to sell your home. At that time, your home's value is checked against an Index of all the home values in the US and adjustemnts are made at the closing. You could get more for your home; or you could get less. Contact us for a more detailed explanation of how that works.

Loan eligibility is determined by the lenders' standards. However, with the additional protection of the HomeDiv product, your lender is more likely to extend to you better terms, which includes less-stringent credit requirements.

That comes under "eligibility" - your lender determines the rates but would be more likely to offer more favorable interest with the HomeDiv protection.

Simple! Find a home, choose a HomeDiv Lender, Apply, Get Approved, Call the movers!