The home credit service is a means of providing simple, unsecured personal loans typically between the sums of $50 – $1000 for a fixed period of time. The credit service may include: Cash Loans, Debit Cards, Shopping Vouchers or even Hampers. These services are normally provided right at the comfort of the client’s home. The loan term normally runs for less than a year or at most 2-3 years. Repayments for the loan are made either weekly or monthly.

One thing to consider is that there will almost always be a fixed interest charged on the amount given to the customer and so that the customer knows exactly how much they are paying back. The charges on the loan never increase, even if the customer had to miss a payment for some unforeseen circumstances. It will only take them a longer time to make all their repayments. The home credit providers are always willing to work with the customers to resolve any difficulties. Thankfully, there’s not always a penalty.

What makes the home credit service more unique and different from many other credit services is the way in which repayments are made. A friendly agent normally calls a customer’s home on a set day to pick up the weekly or monthly payments. The days and times for payment are always flexible and easy for the customer can work around. The agent/customer relationship has been the heart of the home credit service. And has led to its success in that it enables the agent to establish a professional, but personal relationship with the customer which can help the two parties to relate well to everyone’s needs.

Most people use the home credit providers because they need some quick source of cash to bridge a temporary-cash flow gap, probably before payday. Others use them because they want small and affordable amounts of credit that they can repay on a regular basis. Fixed amount basis for use on special family events like: holidays, weddings, to replace household appliances such as washing machine, or for car repairs. Basically, most people use these services to balance their household budget. And will always welcome the quick and convenient home credit service.

But, if you’re a home owner, there exist several other avenues to consider.  The loan officers at 818 Mortgage can help you to get pre-approved for a home mortgage refinance or a HELOC, a home equity line of credit,” explains Marcel Garcia, the founder and CEO of 818 Mortgage.  Home owners should always consider contacting a professional before they jump into the options presented by a high risk, high interest home credit service. 

“The first step to home ownership is by speaking to a qualified local loan officer,” call Marcel Garcia at 818 Mortgage for a free one-on-one consultation. 

Company Name: 818 Mortgage (AKA: 818Mortgage)

Contact Name: Marcel Garcia



Country: USA

States: California, Arizona, Colorado, Florida, Idaho, Illinois, Montana, Nebraska, Oklahoma, Oregon, Tennessee, Texas, Utah, and Washington

Clients: First Time Buyer who need Pre-Approval for a Home Loan. Home owners who are interested in: Refinance, Cash-Out, HELOC (Home Equity Line of Credit), DSCR (investment property loan) and Reverse Mortgage.

Loan Programs: All traditional Home Loans / Qualifying Mortgages (QM), Conventional and FHA. As well as Non-QM: Stated, Bank Statement, P&L, CPA Letter, Business Bank Statement, and Hard Money Loans.

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