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Home Equity Loans

Home equity loans are used in a variety of circumstances. Some home owners take advantage of the low interest rates and monthly payments that come along with home equity loans to pay off the remaining balance of a first mortgage. Others even use home equity loans to purchase a new, separate home. The most common use of one of these loans is home improvement, which is an excellent investment. The homeowner may take on extra debt as a result of the loan but in the process he or she generally raises the value of his or her home.

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There are a variety of loans based on the equity of a home that are available. Home equity loans, home equity lines of credit, and reverse mortgages are a few. A home equity loan, or second mortgage, is a secured fixed rate loan that uses property as collateral. This type of loan is given in a lump sum to be repaid monthly by the owner and is perfect for home owners wanting to fund home improvement or purchase a new car.

Another option is a reverse mortgage, though this option is only available to home owners 62 years of age or older who owe little or nothing on their homes. A reverse mortgage is much like the home equity line of credit in that it has an adjustable rate and it can also work like a credit card. Homeowners also have the option of collecting the whole sum at once or in monthly advances. Through this loan, homeowners can arrange to receive a fixed sum every month for the rest of their life, even if the market value of their home depreciates. If the homeowner lives longer than is expected or if his home does not increase in value as expected, he or she may actually wind up with more money than the home is worth. Also, that loan is paid only after the life of the owner or if the house is sold, so at no point does the borrower feel the stress of monthly payments. Home equity loans give homeowners the opportunity to enhance the quality of their lives through improving their homes and by continuing their education. Apply for a home equity loan today.

Home equity loans are second mortgages that are based on the equity or value of your home, which can be determined by subtracting your mortgage from the total value of your home as listed by current market prices. This equity is a great resource for homeowners needing to fund a college education or expensive home improvements. Apply online to contact up to four lenders who specialize in home equity loans.

 


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  Need Cash? Considering a Home Equity Loan? Why not get cash out from your equity and refinance in one process. Select ‘Refinance’ on the application and specify your ‘Cash-Out’.
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Home equity is the amount of the value of your home that you own, meaning what you have already paid for. Home equity loans are a great way to take advantage of this equity to finance other large purchases such as home improvements or the purchase of a second home… Our mortgage calculator is a great first step to deciding on your loan before you face any obligations or hour long phone conversations. Try our free calculators as many times as you’d like to estimate the payments for a loan that suits your needs… Manufactured homes are worth a second look thanks to the vast improvements that have been made in the quality of their construction. Manufactured home loans are available at great fixed rates of interest…
Refinancing homes is a relatively simple process that is not unlike the establishment of your first mortgage. A refinancing is simply a replacement of your old mortgage with a new one that has a different interest rate and or terms… A loan payment calculator is a free tool you can use to estimate your monthly mortgage payment. The calculator will also work for any other type of loan you are considering applying for. Put in your numbers let it crank and apply for a quote when you are done…

Down payment assistance can help you get a house you can afford monthly but can’t afford in terms of cash assets. Federally assisted programs provide loans through the Federal Housing Administration for low income families…

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