hi this is Manny Selena with Fidelity for funding I'm calling to see if you need to get cash out from your equity for debt consolidation Home Improvements or to save money for a rainy day we have first and second position loans we have programs that allow for credit scores as low as 500 and late payments in the last 12 months give me a call back at area code █████ that's █████ thank you and have a good day