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We are a no surprise lender; offering products with no points and no application, processing, appraisal or origination fees. We offer the PremierEquity line of products, including home equity loans and home equity lines of credit with competitive rates, but if you want even lower rates, you can customize your loan by speaking to one of our experienced Account Executives. Irwin Union Bank and Trust Company and Irwin Home Equity Corporation are part of the Irwin Financial Corporation. Irwin companies originated over $1 billion in mortgages in 2006, and serve the financial needs of homeowners nationwide, providing home loans you can rely on. Irwin Home Equity Corporation is a Real Estate Broker (#01230182) licensed by the California Department of Real Estate and an Illinois Residential Mortgage Licensee. In Connecticut, Irwin Home Equity is a BROKER ONLY, NOT A LENDER. Loans will be made by Irwin Union Bank and Trust Company, an Indiana banking corporation, located at 1818 East College Parkway, Carson City, NV 89706; this could affect the availability of funds. Irwin Home Equity is located at 12677 Alcosta Blvd., Suite 500, San Ramon, CA 94583.