Financing Your Donor Egg Parenthood

Comerica Bank (0% Interest Credit Cards)

Highlights

• Only applicable to CA, AZ, TX, FL, MI states
• No collateral required
• Quick access to funds

Details

• Loan amounts: Up to $25k
• Interest rates: 0%

Contact

1. Mike Smith | Comerica Bank  
   1. 11943 El Camino Real Suite 110A | San Diego, CA 92130  
   2. Phone: 858.509.2360 | Fax: 858-509-2389 
   3. [email protected] 
2. Dave Sandak | Comerica Bank  
   1. 11943 El Camino Real Suite 110A | San Diego, CA 92130  
   2. Phone: 858.509.2360 | Fax: 858-509-2389 
   3. [email protected]

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Comerica Bank (HELOC)

Highlights

• Only applicable to CA, AZ, TX, FL, MI states
• Low, competitive rate
• Borrow as you need on a revolving basis

Details

• Loan amounts: Up to 500k
• Interest rates: 5.49%

Contact

1. Mike Smith | Comerica Bank  
   1. 11943 El Camino Real Suite 110A | San Diego, CA 92130  
   2. Phone: 858.509.2360 | Fax: 858-509-2389 
   3. [email protected] 
2. Dave Sandak | Comerica Bank  
   1. 11943 El Camino Real Suite 110A | San Diego, CA 92130  
   2. Phone: 858.509.2360 | Fax: 858-509-2389 
   3. [email protected]

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Comerica Bank (Business Lines of Credit)

Highlights

• Only applicable to CA, AZ, TX, FL, MI states

Details

• Loan amounts: Up to 200k
• Interest rates: Variable

Contact

1. Mike Smith | Comerica Bank  
   1. 11943 El Camino Real Suite 110A | San Diego, CA 92130  
   2. Phone: 858.509.2360 | Fax: 858-509-2389 
   3. [email protected] 
2. Dave Sandak | Comerica Bank  
   1. 11943 El Camino Real Suite 110A | San Diego, CA 92130  
   2. Phone: 858.509.2360 | Fax: 858-509-2389 
   3. [email protected]

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First Republic Bank Personal Lines of Credit

Highlights

• Only applicable to the states of CA, OR, WA, WY, FL, MA, CT, NY. *Must be located near one of their locations.
• Low fixed rates
• Interest only on what you draw for the first two years
• Zero origination fees
• Zero prepayment fees

Details

• Loan amounts: Up to $100k
• Credit score: 680+
• Terms: 15 years
• Interest rates: 3.95–5.45%

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First Republic Bank HELOC

Highlights

• Only applicable to the states of CA, OR, WA, WY, FL, MA, CT, NY. *Must be located near one of their locations.
• Low fixed rates
• Interest only on what you draw for the first two years
• Zero origination fees
• Zero prepayment fees

Details

• Loan amounts: Up to $200k
• Interest rates: 3.95–5.45%

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LightStream

LightStream offers low-rate, no-hassle, and virtually paperless IVF loans to borrowers with good to excellent credit. They are not FICO score driven and believe there is no single definition for “good credit.” However, they find individuals with good credit usually share the following characteristics:

Highlights

• A credit history including a variety of account types: major credit cards, vehicle loans, mortgage debt, etc
• A good payment history, ideally without delinquencies
• An ability to save, demonstrated by some or all of the following: liquid assets (stocks, bonds, etc.), down payments on real estate, retirement savings, and manageable revolving credit card debt
• Stable and sufficient income and assets to repay current debt obligations and any new IVF loan with LightStream
• Ultimately their determination of good credit is based on whether they conclude that there is a very high likelihood that you will repay the loan in a full and timely manner

Details

• Loan amounts: $5,000 to $100,000
• Credit scores:
• not FICO score driven (see above qualifiers)
• Loans $20,000 – $100,000 need a credit score of 740+ and requiry a hard inquiry for approval
• Terms: 24 months to 144 months
• Interest rates: 3.49% to 19.99%* APR with autopay
  

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Prosper Healthcare Lending

Prosper makes IVF loans easy. From the comfort of your living room, answer a few questions, and get your lowest eligible rate instantly. Select the offer with the terms that work best for you, and the money will be sent directly to your account within three days.

Highlights

• Soft credit pull
• Easy qualification in 2 minutes
• Loans are sent directly to You

Details

• Loan amounts: $2,000 – $35,000
• Credit scores: 640+ & no negative impacts
• Terms: 36 & 60 months
• Interest rates: 5.95% – 19%
  

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Prosper Home Equity Line of Credit (HELOC)

Home Equity Lines of Credit (HELOC) are loans that allow you to borrow against the equity you’ve built in your home. To determine your home’s equity, you take the difference between your home’s value and your mortgage balance. HELOC’s often have much lower rates of interest than other loans, such as a personal loan, which are considered unsecured. With a HELOC, it’s crucial to understand that your home acts as “collateral,” securing the line of credit (also known as a “secured” loan).

Highlights

• Use as needed and pay everything off early
• Enjoy a year draw period, in which you can make interest-only monthly payments to enable you to borrow additional money during the draw period
• Variable-rate or ability to lock in a fixed rate
• Bank paid closing costs

Details

• Loan amounts: a maximum of 80% of the home’s value, less your current mortgage balance
• FICO Credit scores: 660+ & debt-to-income ratio of 50% or better
• Terms: up to 15 years for repayment
• Interest rates: 3.49% – 10.35% Variable APR
  

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SoFi Personal Loans

Highlights

• Fixed personal loan rates
• Same day on loan approval  during the draw period
• Zero origination fees
• Zero prepayment fees

Details

• Loan amounts: $5K- $100K
• Credit score: 650+
• Terms: 84 Months
• Interest rates: 7.99% APR to 23.43% APR
  

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