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Home Equity Loan - Is It For You?


A Home equity loan has become an easy way to not only payoff other non-deductible debt, but to come up with largewads of cash for remodeling projects, vacations and more.People have financed college educations with a home equityloan, so your imagination is your only barrier. There arefew if any restrictions on a home equity loan because inessence you're using your own money. With housing marketsbooming over the last several years, and no definitive endin sight, the higher prices we find attached to our homeshas sent the equity soaring too. It's no longer necessary togamble in the stock market if you're looking for largereturns: just own a house, and then use a home equity loanto fund your particular needs.

A home equity loan can offer many attractive features, butthere are a few things to be keep in mind. Be aware that inan inflated market, your home's value could at some pointtake a dive and you find yourself in a situation where yourloan exceeds your home's worth, particularly if you've takenadvantage of one of the 100-125% offers you see so oftenthese days. Just be aware that it is never a good idea touse all your appraised equity unless absolutely necessary.Also, try and go with the home equity loan that costs theleast. If you're going to tack on several thousand dollarsin fees, then it could really not be worth it. Peoplesometimes get blinded by the prospect of easy cash, and paythese fees without thinking. Shop around. A home equity loanis part of an extremely competitive market, and if yourcredit is okay, or sometimes even not so okay, a directlender can offer a home equity loan with few if any costs.Typically, mortgage brokers are unable to do this.

A home equity loan can be your ticket to not only changingnon-deductible debt to deductible, but an easy source ofavailable cash to help start a business, finance a vacation,remodel or more. Check out a home equity loan today!

Keith Thompson is a real estate investor and webmaster of Mortgage LoansToday where you can find the latest news and resourceson a HomeEquity Loan


MORE RESOURCES:

Mortgage refinance boom goes bust as rates shift higher  CNBC

A turnaround in interest rates turned borrowers back on their heels last week, deflating a quick boom in refinance demand. Mortgage application volume fell ...


These are the best (and worst) reasons to refinance your mortgage  Bankrate.com

Whether you've owned your home for a short time or you've had your mortgage a bit longer, a mortgage refinance involves careful consideration. After all, you'll ...


Homeowners are rushing to refi mortgages as rates drop  The Real Deal

Homeowners throughout the country are looking to refinance their mortgages thanks to lower borrowing costs, contributing to a sharp government bond rally.


Refinance mortgage rates mixed for Monday  Bankrate.com

Refinance rates were mixed today. If you haven't locked a refi yet, see how your future mortgage payments could be affected.


Refinance mortgage rates mixed for Saturday  Bankrate.com

Refinance rates were mixed today. See what that means for you if you're in the market for a mortgage.


Refinance mortgage rate eases for Monday  Bankrate.com

Refinance rates were mixed, but one key rate slid lower. See what that means for you if you're in the market for a home loan.


5 million homeowners suddenly "in the money" to refinance | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Millions of homeowners could now save each month on their mortgage payments, according to a new report. That's because they're suddenly “in the money” to ...


Refinance mortgage rate dips for Saturday  Bankrate.com

Refinance rates were mixed, but one key rate declined. See what that means for you if you're in the market for a home loan.


Refinance rates move higher for Wednesday  Bankrate.com

Multiple key refinance rates notched higher today. See what that means for your refinance.


Liz Weston: How debt 'solutions' could dig you in deeper  Allentown Morning Call

Americans are slipping ever deeper into hock. To cope, many people turn to debt consolidation loans, cash-out mortgage refinancing and retirement plan loans.


Refinance mortgage rate slides for Wednesday  Bankrate.com

Refinance rates were mixed, but one key rate declined. If you're in the market for a mortgage, see what that means for you.


Refinance rates rise for Friday  Bankrate.com

Multiple closely watched refinance rates notched higher today. See what that means for you if you're in the market for a home loan.


As mortgage rates drop, originations in refi territory could double  National Mortgage News

If mortgage rates fall below 4%, it could more than double the dollar volume of agency mortgages exposed to refinancing incentive, analysts at Keefe, Bruyette ...


Here's how many borrowers should refinance after the recent drop in mortgage rates  HousingWire

Mortgage rates fell 22 basis points last week to 4.06%, an event that will likely be a gamechanger for the refinance market. According to the latest report from ...


Refinance rates decline for Tuesday  Bankrate.com

Multiple closely watched refinance rates decreased today. See what that means for you if you're in the market for a home loan.


Refinance mortgage rate drops for Tuesday  Bankrate.com

Refinance rates were mixed, but one key rate trended down. If you're shopping for a refi, see how that could affect you.


Refinance rates dip for Monday  Bankrate.com

Several benchmark refinance rates were down today. If you're in the market for a home loan, see what that means for you.


Refinance rates rise for Thursday  Bankrate.com

Multiple closely watched refinance rates trended upward today. If you're in the market for a refi, see how your future mortgage payments could be affected.


Quicken Loans will now let Vrbo hosts use rental income to refinance their mortgage  HousingWire

A little over a year ago, Airbnb partnered with some of the nation's largest mortgage players, including Fannie Mae and Quicken Loans, to allow hosts using the ...


Mini refinancing boom is a boost for lenders  The Real Deal

There has been a mini surge in mortgage and refinancing applications spurred by falling mortgage rates, the Wall Street Journal reports.


Did you refinance your home mortgage last year? You can still qualify for often-overlooked deductions  MarketWatch

f you refinanced your home mortgage last year, you may be in line for some often-overlooked tax deductions on your yet-to-be-filed 2018 Form 1040.


Refinance rates move lower for Monday  Bankrate.com

Several benchmark refinance rates tapered off today. If you're shopping for a home loan, see what that means for you.


Refinance rates ratchet higher for Friday  Bankrate.com

Several closely watched refinance rates advanced today. If you're in the market for a home loan, see how your payments might be affected.


Refinance rates advance for Tuesday  Bankrate.com

Multiple closely watched refinance rates climbed higher today. If you're in the market for a home loan, see what that means for you.


Mortgage rates continue to nose-dive as 30-year fixed experiences biggest one-week drop in a decade  The Washington Post

Just a handful of months ago, mortgage rates were soaring. Now they are sinking. According to data released Thursday by Freddie Mac, the 30-year fixed-rate ...


Important mortgage rate dips for Tuesday  Bankrate.com

Mortgage rates diverged today, but one key rate declined. See what that means for you if you're in the market for a mortgage.


Refinance rates trend higher for Wednesday  Bankrate.com

Several closely watched refinance rates notched higher today. If you're in the market for a home loan, see what that means for you.


Refinance rates retreat for Wednesday  Bankrate.com

Multiple benchmark refinance rates sunk lower today. If you're in the market for a mortgage, see what that means for you.


Refinance rates slide for Friday  Bankrate.com

Several key refinance rates decreased today. See what that means for you if you're in the market for a mortgage.


Homebuying power on the rise thanks to low rates and high incomes | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

American homebuying power has reached its second-highest point in the last 20 years. According to a new analysis, the average buyer can now afford a home ...


Mortgage rates drop for Tuesday  Bankrate.com

Multiple key mortgage rates were down today. If you're shopping for a mortgage, see what that means for you.


Lower Mortgage Rates No Relief for US Home Sales  WOLF STREET

Across the US, hot and cold housing markets all thrown into one bucket: Sales of “existing homes” (single-family houses, townhouses, condos, and co-ops) in ...


Mortgage rates up for Friday  Bankrate.com

Multiple benchmark mortgage rates climbed today. If you're shopping for a mortgage, see what that means for you.


Refinance rates trend higher for Monday  Bankrate.com

Several key refinance rates floated higher today. See what that means for you if you're in the market for a home loan.


Fannie Mae High Loan-To-Value Refinance Option (HLRO) Guildelines, Rates, and Eligibility for 2019  The Mortgage Reports

The new Fannie Mae High LTV Refinance Option allows homeowners to refinance into today's low rates even if they little or no home equity. No appraisal is ...


Refinance rates tick lower for Friday  Bankrate.com

Multiple closely watched refinance rates slid lower today. Nationwide averages for 30-year fixed and 15-year fixed refinances both tapered off. Meanwhile, the ...


Facing retirement with parent student loans? Transfer them to the kids  Los Angeles Times

It's not wise to use retirement funds to pay down student loans taken out on behalf of your children. Consider refinancing the debt so that the graduate can take ...


Mortgage rates today, April 2, 2019, plus lock recommendations | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Average mortgage rates rose again yesterday, as we predicted. However, they moved up much more sharply than expected. It was a bad day. Markets yesterday ...


Refinance rates drop for Saturday  Bankrate.com

Several key refinance rates sunk lower today. If you're shopping for a refi, see how your payments might be affected.


Are 3% mortgage rates in our future? For some, they are already here | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Three percent mortgage rates are a real possibility in 2019, and in fact, already here for some borrowers, according to The Mortgage Reports daily survey.


Mortgage rates taper off for Friday  Bankrate.com

Several benchmark mortgage rates dropped today. See what that means for you if you're in the market for a mortgage.


Mortgage Rates Continue to Fall – Market Update  Zing! Blog by Quicken Loans

Those in the market for a mortgage got a gift from the Federal Reserve last Wednesday. Unfortunately, the stock market wasn't nearly so happy.


Rob Posner, CEO of NewDay USA, Predicts Over 150% Increase in Firm's VA Purchase Mortgage Financing  PRNewswire

FULTON, Md., April 22, 2019 /PRNewswire/ -- Rob Posner, founder and CEO of NewDay USA, a national VA mortgage lender, said the company's Operation ...


Quicken Loans to allow short-term rental income for mortgage qualification  Mortgage Professional America

Quicken Loans has partnered with short-term rental company Vrbo to allow short-term rental income to be used to qualify for a mortgage refinance. Mortgages ...


Analyzing Shifts in Mortgage Rates and Refinances  The MReport

The average interest rate on a 30-year fixed rate mortgage fell to 4.37 percent in February from 4.46 percent in January, according to the February Refinance ...


Washington Prime Group Announces Execution of $180M Non-Recourse Mortgage Note Secured by Waterford Lakes Town Center  GlobeNewswire

COLUMBUS, Ohio, April 22, 2019 (GLOBE NEWSWIRE) -- Washington Prime Group Inc. (NYSE: WPG) today announced that Waterford Lakes Town Center LLC ...


6 Benefits of a Good Credit Score  U.S. News & World Report

A good credit score can help you qualify for a new house, an increased credit limit on your credit card and be a great indicator to others that you are responsible ...


New Mortgage Loans Slide Again as Loan Rates Continue to Rise  24/7 Wall St.

Applications for new mortgage loans dropped again last week as interest rates moved slightly higher. The decline was driven by fewer refinancings.


Mortgage refinancing spree becomes a race against the clock  Bankrate.com

Some 2.43 million homeowners can reduce their mortgage interest rate by refinancing, according to a recent mortgage report by Black Knight, a mortgage data ...


Refinance Your Mortgage Quickly: Prequalify in Just 3 Minutes  Credible News

Let us do the heavy lifting for you. Compare rates from multiple lenders with no impact to your credit score. Refinance your mortgage with peace of mind.


The new digital divide is between people who opt out of algorithms and people who don't  Phys.Org

Every aspect of life can be guided by artificial intelligence algorithms – from choosing what route to take for your morning commute, to deciding whom to take on ...


What to consider before determining whether to refinance your mortgage  Washington Post

REAL ESTATE MATTERS | For a home-run refinance, try to find a deal that helps you do these four things: lower your interest rate, shorten your loan term, lower ...


Credit Score Needed to Buy a House: What Is the Cutoff?  INQUIRER.net

This article address steps and practices to make you think like a lender so you know were you and your credit score stand when considering buying a house.


Mortgage refinance applications hit 18-year low  CNBC

Mortgage refinance applications hit an 18-year low. With no major move in interest rates and continued weakness in home affordability, there was not a lot of ...


OpEd: Affordable Housing Requires A New Shape For The Mortgage Industry  Africa.com

There are two essential parts to achieving affordable housing: building decent, low-cost homes, and developing a housing finance market that enables ...


5 Signs It's Time To Refinance Your Mortgage  Forbes

You've probably heard that refinancing your mortgage can save you money. While that's true in many cases, refinancing needs be done at the right time in order ...


Still haven’t refinanced your mortgage? You still have an opportunity to save big  Bankrate.com

Mortgage rates seem to be the only thing that's affordable in today's low-inventory, high-priced housing market. This is good news for both homebuyers and ...


The main reason to refinance your mortgage: Save money  Chicago Tribune

A substantial drop in interest rate on a fixed rate mortgage could save you money with a refinance. But you must factor in closing costs on the transaction.


Cash-out mortgage refinancing: Here’s where homeowners are using it most  Bankrate.com

Homeowners who snagged a low-interest mortgage in recent years generally avoid refinancing the loan because interest rates are higher now. When they need ...


Refinance rates slide for Tuesday  Bankrate.com

Multiple closely watched refinance rates receded today. If you're in the market for a home loan, see what that means for you.


Mortgage rates drop below 4.5%. Homeowners scramble to refinance | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

There is a quiet refinance boom brewing, as mortgage rates sink to 9-month lows. Not since April 2018 have rates been this low. Freddie Mac, in its weekly ...


How should I apply for a mortgage refinance: in person, by phone or online? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

You can apply for a mortgage refinance in person, over the phone or online. Just make sure that the company is legitimate before providing personal information ...


How to refinance to pay off a mortgage faster | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

You probably have a number of ways to pay off a mortgage faster. You can refinance to a shorter term, pay more on your existing mortgage or free up your ...


Refinance rates ease for Friday  Bankrate.com

Multiple benchmark refinance rates ticked downward today. If you're in the market for a mortgage, see what that means for you.


Should You Refinance Your Mortgage?  Forbes

Evidently many mortgage borrowers fail to understand that mortgage refinances have a variety of possible purposes, and their success depends on a variety of ...


Refinance mortgage rates mixed for Tuesday  Bankrate.com

Refinance rates were mixed today. If you're in the market for a refi, see how that could affect you.


Home Loan Rates & Mortgage Rates Predictions: Expect a solid spring buying season with lowest rates- Sun Apr 21  TheOofy.com

Experts predict to have a stable and no change in home loan rates this year. However, this will not be confirmed until the the Fed's meeting.


Mortgage application increase led by higher refinance volume  National Mortgage News

Mortgage applications increased last week but unlike the prior period, it was driven by refinance volume as interest rates fell to a one-year low, according to the ...


Refinance mortgage rate moves lower for Wednesday  Bankrate.com

Refinance rates were mixed, but one key rate fell. The average for a 30-year fixed-rate refinance trended down, but the average rate on a 15-year fixed refinance ...


Couldn't qualify to refinance last year? Lenders more likely to say yes in 2019 | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

If you have been wanting to refinance but had a hard time getting approved, 2019 might be your year. Lenders are allowing higher debt-to-income ratios, ...


Freddie Mac Enhanced Relief Refinance (FMERR) 2019 guidelines, rates, and benefits | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

The Freddie Mac Relief Refinance Program (FMERR) allows homeowners to refinance with little or no home equity. Home value dropped since you purchased?


My second mortgage rate is too high! What should I do? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

If your second mortgage rate is too high, you have many options. The trick is to identify the best one. Here's how you can do that.


Factors to weigh when considering whether to refinance your home  Washington Post

Q: I was offered a mortgage “recast” and I need help evaluating if it is a sound financial move. My home is worth $250,000. I owe about $68,000, as I have been ...


Refinance mortgage rate moves higher for Monday  Bankrate.com

Refinance rates were mixed, but one key rate trended upward. If you're in the market for a mortgage, see how your payments might be affected.


Refinance rates fall for Wednesday  Bankrate.com

Multiple benchmark refinance rates declined today. Nationwide averages for 30-year fixed and 15-year fixed refinances both slid down. The average rate on ...


Refinance rates retreat for Monday  Bankrate.com

Multiple benchmark refinance rates tapered off today. If you're in the market for a mortgage, see how your payments might be affected.


When Is a Cash-Out Refinance Loan a Good Idea?  U.S News & World Report Money

Tapping the equity in your home to get cash can be a smart move, but only if the cash is used for the right purpose.


Ellie Mae: Millennials' interest in mortgage refinance spikes  HousingWire

In January, slightly lower interest rates led to Millennial homebuyers increasing their requests to refinance their mortgages. In fact, according to Ellie Mae's latest ...


New VA rules aimed at curbing predatory lending for cash-out mortgage refinances  Bankrate.com

An interim final rule on VA-guaranteed cash-out refinance loans was published on February 19 to protect borrowers from predatory lenders. The rule executes ...


Credible Expands Their Marketplace Into Mortgage Refinancing  Lend Academy

Credible made a name for themselves in student loans. They are the first and largest marketplace for people looking to refinance their student loans. Borrowers ...


Mortgage applications fall, as refinancing hits 20-year low  CNBC

A significant drop in mortgage interest rates was not enough to entice homeowners to refinance their loans last week.


Thinking of Refinancing Your Mortgage? Check These 4 Financial Areas First  Forbes

Refinancing your mortgage can be a great way to save on your monthly payment or to change up the terms of your loan. However, while it's a financial move that ...


Weekly refinance demand plummets as mortgage rates hit a 5-week high  CNBC

A sharp rise in mortgage interest rates took its toll on the lending business last week. Mortgage application volume fell 1.8 percent for the week, according to the ...


Refinance mortgage rate dips for Tuesday  Bankrate.com

Refinance rates were mixed, but one key rate decreased. If you're in the market for a home loan, see how your payments might be affected.


Refinance rates tick higher for Tuesday  Bankrate.com

Multiple benchmark refinance rates notched higher today. See what that means for your chances of scoring a killer refi rate.


Mortgage rates: Recognize this mortgage lender sales trick, and don't fall for it | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Yes, there is a series of videos on YouTube instructing mortgage loan officers and brokers on how to limit competition and sell higher prices and mortgage rates.


With today's mortgage rates, you can still refinance for lower payments. Here's how | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Many homeowners refinance for lower payments or interest rates. Here's what you need to know about your options and some pitfalls.


Refinance mortgage rate falls for Friday  Bankrate.com

Refinance rates were mixed, but one key rate declined. If you're shopping for a mortgage, see how your payments might be affected.


How Long Does It Take to Refinance a Mortgage?  Realtor.com News

How long does it take to refinance a mortgage? Refinancing should take anywhere from 30 to 45 days on average, although that can stretch to 60 days if you hit ...


Refinance rates slide for Saturday  Bankrate.com

Multiple closely watched refinance rates were down today. If you're in the market for a refinance, see how that could affect you.


Refinance mortgage rate falls for Tuesday  Bankrate.com

Refinance rates were mixed, but one key rate dropped. The nationwide average for a 30-year fixed-rate refinance tapered off, but the average rate on a 15-year ...


Stakeholders bank on affordable housing to spur mortgage uptake  Kenya Broadcasting Corporation

Successful implementation of the affordable housing development project is vital in spurring the uptake of mortgages that is still very low in Kenya.


How to use a cash-out refinance to buy another home | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Can or should you use a cash-out refinance to buy another home? Maybe, if that's the most cost-effective source of a down payment or even the whole purchase ...


Refinancing activity in the US just plunged to the lowest level in over a decade  Business Insider

Refinancing activity plunged to the lowest level since 2000 as interest rates rise.


Texas cash-out refinance: new laws you need to know | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Cash-out refinance Texas rules for homeowners in Texas. Texas cash-out refinancing is different from other states and you'd better know the rules before taking ...


Refinance mortgage rate eases for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate dropped. If you're in the market for a mortgage, see how your payments might be affected.


Refinance rates drop off for Monday  Bankrate.com

Multiple benchmark refinance rates fell today. The nationwide average for a 30-year fixed-rate refinance ticked downwards, but the average rate on a 15-year ...


Refinance mortgage rate rises for Thursday  Bankrate.com

Refinance rates were mixed, but one key rate climbed higher. If you're shopping for a mortgage, see what that means for you.


Do I need an appraisal to refinance my home? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Do you need a home appraisal to refinance your mortgage? Not necessarily. Here's what you need to know about conforming, USDA, FHA and VA refinances ...


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