Mortgage  Question?
Home equity loan not on credit report apply refinance

Will my home equity loan show up when I refinance my mortgage if it does not appear on my credit report?

Michael Jensen, Mortgage and Finance Guru
, Mortgage and Finance Guru

If you have an outstanding home equity loan or line of credit (HELOC) it will show up on the title search that is ordered by the lender prior to the refinance closing. The lender orders a title search (also known as a title report or title abstract) to determine the outstanding liens recorded on a property, such as your mortgage and home equity loan or HELOC. If the home equity loan or HELOC does not appear on your credit report, the refinance lender will likely request your payment history from your home equity loan or HELOC lender to verify that you have made your payments on time and that the loan is current.

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About the author

Michael Jensen, Mortgage and Finance Guru

Michael is the co-founder of FREEandCLEAR. Michael possesses extensive knowledge about mortgages and finance and has been writing about mortgages for nearly a decade. His work has been featured in leading national and industry publications. More about Michael

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