Best Egg Secured Home Loans

Understanding Secured Loans

• What is a Best Egg Secured Loan?
• What costs will I pay if I take this secured loan?
• How do I identify if I have a secured loan offer vs. an unsecured loan offer?
• What is the difference between Best Egg’s secured and unsecured personal loans?
• What’s the difference between Best Egg’s secured loan and a home equity loan?

Eligibility, Ownership, & Requirements

• What if I don’t have equity in my home?
• Do I need the signature of my home’s co-owner to get a secured loan?
• Is a secured loan only in my name?
• What is collateral and how is it used to secure a loan?

Home & Collateral Considerations

• What happens if my home goes into foreclosure?
• What happens if something in my home breaks, is replaced, or another lender repossesses it?

Managing Your Secured Loan

• Can a 3rd party mortgage/title company request documentation on my behalf?
• What address do I send payments to?
• How do I get a payoff quote for my secured loan account?
• What happens when my secured loan is paid in full?

Fixtures

• What are fixtures?
• What happens if I need to obtain new financing to purchase new fixtures?
• How do you determine the value of my fixtures?

Liens

• What is a lien, and what is it for?
• How can I have the lien on my home's fixtures removed?
• When is the lien filed?
• What is the lien process?

Sell or Refinance FAQs

• Looking to sell or refinance your home?
• I am selling or refinancing my home. Who does my lender contact to obtain a payoff quote so the UCC-1 lien can be paid off and terminated?
• Can I pay off my secured loan with the sale of my home?
• Can I sell or refinance my home with a UCC-1 fixture lien attached?
• Do you provide subordination agreements?
• How will a secured loan impact my ability to borrow more money against my home?

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UCC Filing FAQs

• Do you temporarily terminate the UCC-1 filing?
• What is a UCC-1 filing and what does it do?

Community States FAQs

• What is a community property state?
• Which states are currently community property states?
• What if we’re not both named on the deed or title to the house?
• What if I’m married and live in a community property state, but we’re separated or have filed for divorce?
• Do we both need to consent?
• Why does my marital status matter?