Mortgage Rate Articles

A home equity loan is a smart choice as rates rise

A Home Equity Loan Is a Smart Choice as Rates Rise | HuffPost – Plain-and-simple home equity loans, with the security of a locked-in interest rate that never changes, have been yesterday’s news. But as the economy improves and interest rates rebound, you may have to go throwback if you want to access some of your home value.

Are you spending smart with your credit card?.. Once you're approved, a HELOC operates as a revolving credit line: you have. If the possibility of future interest rate increases makes you uncomfortable, The money that you take out with a cash-out refinance gets added to your mortgage balance.

Fixed-rate home equity loans have interest rates that don’t change during the life of the loan. Variable-rate home equity lines of credit have rates that are linked to an index, such as Prime Prime Related Rate – It’s a benchmark set and used by financial institutions to determine how much interest to charge.

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If you know how much you want to borrow and need the money up front, a home equity loan is usually the best choice because you’ll have the certainty of knowing what repayment will involve. Typically,

The Smart Choice Home Equity Loan and the HELOC must be secured by the owner-occupied primary residence.. Homeowner’s insurance is required. All loans are subject to credit approval. + LTV = Loan to Value. 1st Lien Smart choice home equity fixed rate loans are limited to a maximum value of 80%. * CLTV = Combined Loan to Value.

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A Home Equity Loan Is a Smart Choice as Rates Rise. Plain-and-simple home equity loans, with the security of a locked-in interest rate that never changes, have been yesterday’s news. But as the economy improves and interest rates rebound, you may have to go throwback if you want to access some of your home value.

Get a home equity rate estimate now. home equity loans and home equity lines of credit can be a smart way to use the home equity you have built up to pay for home improvement, debt consolidation, refinance of a home mortgage, or vehicle purchase. Use this home equity loan calculator to compare rates and payments across a variety of home equity options.

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