Our Goal is to have you Approved within 24 Hours.

What is a Home Equity Loan or Home Equity Mortgage?

A Loan from Aroi is simply a mortgage against your property or any other real estate you may elect to use. At Aroi we provide property owners with a variety of financing options; including first, second and, in certain cases, third mortgages. You can borrow for needs such as a purchase, home renovation, debt consolidation, new home construction, and emergency expenses.

Chances are the value of your home has increased since you bought it. At Aroi, a home equity loan can get you access to money based on the increased market value.

Please call anytime (902)681-1100

How a Home Equity Loan Works

First, calculate how much equity you have in your home or real estate. Once you’ve determined your equity value you could have access to a portion of that equity within a short period of time. Use the following equation to calculate how much home equity you have

Home value – existing mortgage balance = equity amount

Please call anytime (902)681-1100

Why Aroi Says YES to Low Credit Ratings

Credit scores are designed to do one single thing — rank consumers based on their level of risk to a lender. However, the credit rating system is not perfect. The parameters of how credit is scored are very narrow — factors such as if you pay your credit card bills on time, how close to the limits you are, and if you’re employed. What credit ratings don’t take into account are most external factors. For example, you purposely don’t have have credit cards to avoid taking on debt or that you maxed out a credit card to renovate your home. All factors that make you more likely to pay back your loan on time.

Please call anytime (902)681-1100

Our 3 Step Approval Process:

Step 1: Is there enough home value to support the loan?  — Call us today to speak with a decisionmaker who can help you estimate the value of your home in 5 minutes to answer this question quickly.

Step 2: Is the client able to afford the monthly payment? — We’re happy to provide a monthly payment estimate. In some cases we can even lend you the money for the payment.

Step 3: How will our client “exit”? — If we’re unable to obtain approval for you at bank rates, other sources are available. Since nobody wants to pay higher rates long term we ask a lot of questions to provide the best advice on what steps you should take to ensure a smooth transition to a prime rate lender. We’ll provide a step by step outline you can follow to repair and build credit quickly.

Apply for a home equity loan now!

We’ve been helping people obtain home equity loans for 30 years, now. If you’ve been turned
away by the bank for a loan in Canada, we can help find the financing you need.


    YesNo

    Easy Application

    3 Simple Steps • 24 Hr Approval

    Home Equity Loans from Aroi are the fastest and easiest way to get money from your home regardless of your age, income,
    or credit history. We can approve your home equity loan in as little as 24 hours and can get you the funding you need in few days.

    • Apply Online

      Using the form above or call 866-496-1100 to speak to one of our representatives

    • Get Approved

      Approved with 24 hours. Your home equity is the key to your approval. Get approved now!

    • Get Funding

      We make it easy. Loan funds can be deposited directly into your bank account, once approved.