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How To Tap In To Your Home Equity


With today's relatively low interest rates and climbing property values, many consumers are considering taping into their home equity to finance everything from home improvement projects to debt consolidation.

Secured home loans, also called home equity loans, are loans backed by the borrower's equity in their property. Equity is the difference between your home's appraised value and the balance on your mortgage.

When a homeowner takes out a secured home loan, they promise to repay the lender and sign a contract that makes their home the collateral for the loan. If the borrower does not repay the loan as agreed, the lender has the right to foreclose on the home. Generally, loans are repaid with a monthly payment over a fixed term.

As interest rates and loan terms may vary widely depending on your credit score, your home equity, and the amount of the loan, it is important to compare several different lenders to ensure you are getting the best loan for your situation.

There are many advantages to secured home loans. Home equity loans generally have lower interest rates than unsecured loans. In addition, there are many different types of secured home loans to fit your needs.

When considering using your home as a security instrument to obtain a loan, it is important to consider the amount you can afford monthly. Although loans can be used for virtually anything, if you are going to use the money to make large purchase, make sure you are buying something that will outlast the life of the loan.

Remember, if you do not repay the loan as agreed, you may lose your home. While it may be smart to tap into equity for home improvement projects that will increase your property value, it may be foolish to put your home on the line for that dream vacation.

Frank Kelly is a freelance writer. Years ago he was an employee who regularly used payday loans to get thro the month. Then he disocvered the better alternative of a home equity loan.

Discover useful advice and information about home equity loans. Website contains articles and advice about home equity loans. http://www.homeequityloans-cheap.com/


TODAYS NEWS BY OFFICEJAX FREE ADVERTISING AND AD EXCHANGE SOLUTIONSMORE RESOURCES updated Wed. January / 16 / 2019

VA cash-out refinance: Don't get swindled by (equity) strippers! | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

On December 20, 2018, the federal government created some protective guidelines for homeowners. These safety measures concern the cash-out VA refinance.


Mortgage applications surge 13.5% as borrowers rush to take advantage of lower rates  CNBC

That is its highest level since February and came after a 23 percent jump the previous week. Volume was just 0.5 percent lower than a year ago.


Prepayment activity hits 10-year low as mortgage refinancing decreases  National Mortgage News

Continual declines in the refinance share of mortgage originations led to prepay rates dropping to their lowest levels since 2009, according to Black Knight.


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.


Refinance mortgage rate slides for Friday  Bankrate.com

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


Refinance mortgage rate slides for Thursday  Bankrate.com

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


You Still Need A High Credit Score To Refinance  The Albany Herald

MoneyTipsTimes aren't great in the mortgage refinancing market. According to the October 2018 Origination Insights Report from mortgage application software ...


The 4 most common mortgage and real estate scams and how to stop them  Bankrate.com

In 2017 alone, 9645 victims reported real estate fraud, resulting in losses of more than $56.2 million, according to data from the Federal Bureau of Investigation's ...


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 mortgage rate moves higher for Saturday  Bankrate.com

Refinance rates were mixed, but one key rate climbed. If you haven't locked a refinance yet, see what that means for you.


Refinance mortgage rate moves up for Friday  Bankrate.com

Refinance rates were mixed, but one key rate advanced. 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 ...


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, ...


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 ...


Mortgage rate decline sparks refinancing demand in Capital Region  Greater Baton Rouge Business Report

With mortgage rates falling to their lowest levels in eight months, some Capital Region residents are seizing their opportunity to refinance on their homes.


Shutdown Impact Spreads: Government Furloughs Put Some Mortgage Deals In Limbo  NPR

The partial shutdown of the federal government is causing some financial problems for furloughed workers who can't refinance their mortgages or buy homes ...


Government Shutdown Brings Mortgage Obstacles | Your Money  The Albany Herald

MoneyTipsThe Shutdown's Housing Market WoesIt's a great time to buy a home, and you're ready. You've saved up a suitable down payment, found a home, ...


Refinance rates decline for Wednesday  Bankrate.com

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


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.


Falling Mortgage Rates Lead to Surge in Refinance Activity  Mortgageorb

A surge in refinance activity resulting from a drop in mortgage rates helped push mortgage application volume up 23% during the week ended Jan. 4, according ...


How cash-out refinancing can turn into a costly mistake  The Southeast Sun

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Just Approved: Refinance offers student loan relief  San Francisco Chronicle

Mortgage broker: Liz Bayer, ProMortgage. Property type: Single-family home in Elk Grove. Appraised value: $400000. Loan amount: $278000 Loan type: ...


Refinance rates decline for Saturday  Bankrate.com

Several benchmark refinance rates were down today. The nationwide average for a 30-year fixed-rate refinance was down, but the average rate on a 15-year ...


Mortgage rates continue their slide, while the Fed raises its benchmark rate  Washington Post

Mortgage rates continued their retreat, helped by volatility in the financial markets and weakened inflation expectations. According to the latest data released ...


Refinance rates retreat for Wednesday  Bankrate.com

Multiple benchmark refinance rates were down today. If you're in the market for a refinance, see how your future mortgage payments could be affected.


Dropping mortgage rates near levels that could lead to more refis  National Mortgage News

Falling mortgage rates have reached the point where they are spurring speculation about a possible resurgence in refinancing, according to an FTN Financial ...


Mortgage Rates Fall as Government Shutdown Rolls On – Market Update  Zing! Blog by Quicken Loans

It's Day 24 of the partial government shutdown, but inflation is low, as are jobless claims and mortgage rates. All that and more in Market Update!


Refinance rates drop off for Monday  Bankrate.com

Multiple benchmark refinance rates sunk lower today. If you're shopping for a refi, see how that could affect you.


Mortgage applications plummet nearly 10% to end 2018, despite lower rates  CNBC

The numbers are surprising, given that homebuyers and homeowners looking to refinance could have taken advantage of lower interest rates.


Why mortgage lending at Wells Fargo, Chase and Citi plunged  MarketWatch

Mortgage lending at three of the country's biggest banks has fallen off a cliff as customers pivot to online-only options and stop refinancing.


Agency MBS: Time To Rethink Prepayments  Seeking Alpha

A combination of positive macroeconomic factors is likely to keep prepayment speeds higher than the market's projections, which in turn, could benefit deeply di.


The Right Way to Tap Your Home Equity for Cash  ConsumerReports.org

Millions of Americans are tapping their home equity for cash. That can be risky. Consumer Reports explains what to watch out for and how to choose the right ...


Weekly mortgage applications fall 5.8% as stock market plunge unnerves potential buyers  CNBC

Even with mortgage rates at the lowest level in three months, homebuyers are pulling away from the housing market. Mortgage application volume fell 5.8 ...


How Does the Mortgage Market Work?  Zing! Blog by Quicken Loans

If you're in the market to purchase or refinance a home, you're probably being exposed to a whole range of information the average person doesn't think about ...


Nigeria Mortgage Refinance Company lists N11b bond  The Nation Newspaper

The Nigeria Mortgage Refinance Company (NMRC) has listed its N11 billion 13.80 per cent Series 2 Fixed Rate Bonds on the Nigerian Stock Exchange (NSE), ...


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.


Veterans Pay High Price as Lenders Push Cash-Out Home Loans  Bloomberg

Eric Kandell is making his pitch to veterans. Wearing a red T-shirt, with the words “Low VA Rates” emblazoned across his chest, he looks fit and muscular, as if ...


How latest Fed rate decision affects rates on credit cards, mortgages, savings accounts  USA TODAY

How the latest Fed rate hike affects what you pay on credit cards, mortgages, auto loans as well as your bank savings account.


U.S. mortgage rates fall to 9-month low  Dayton Business Journal

U.S. mortgage rates declined again, falling to a nine-month low mark, according to Freddie Mac. The 30-year fixed mortgage averaged 4.45 percent for the week ...


Will the Rally in Homebuilder ETFs Continue?  Nasdaq

U.S. homebuilder ETFs struggled for the most part of 2018 with rising rates and escalating housing prices. Also, the land and labor shortages, resulting in tighter ...


Government shutdown and mortgage applications: Will you get bitten? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

What's happening with the government shutdown and mortgage closings? Find out how you will (or won't) be affected.


How the government shutdown is disrupting mortgage, real estate transactions  Bankrate.com

As the U.S. government shutdown continues, federal workers aren't the only ones being impacted. Some homebuyers, along with lenders and real estate agents ...


Kenya’s Biggest Mortgage Lender Plans to Double Loans in Two Years  Bloomberg

Kenya's biggest mortgage lender plans to double its home-loan business over the next two years by offering longer repayment periods, its chief executive officer ...


Mortgage: Concern over N18bn refinancing loan  New Telegraph Newspaper

While Nigerian Mortgage Refinancing Company (NMRC} is claiming to have refinanced mortgage loans totalling N18 billion as at December 2018, housing.


Mortgage apps post sharp rebound as rates fall  Mortgage Professional America

Mortgage applications increased during the week ending Jan. 4 as rates fell across the board, according to the Weekly Mortgage Applications Survey released ...


6 New Year’s resolutions for homeowners that will build wealth  Bankrate.com

Homeowners can pay off debt, build savings, prepare for retirement and better manage your daily spending in 2019. If you're a homeowner or you want to ...


Cronheim Mortgage Secures $11.5M Refinancing for Office Portfolio in New Jersey  REBusinessOnline

SOUTH PLAINFIELD, N.J. — Cronheim Mortgage has secured an $11.5 million loan to refinance a four-building office portfolio within the Middlesex Business ...


Arvest Bank passes $2 billion mortgage mark in 2018  talkbusiness.net

Arvest Bank announced Tuesday (Jan. 15) that its mortgage division originated more than $2 billion in loans in 2018, the third time it has done so in its history.


Closely watched mortgage rate up for Tuesday  Bankrate.com

Mortgage rates showed no clear direction today, but one key rate ticked up. If you're in the market for a home loan, see how that could affect you.


Experts weigh in on what the 2019 housing market will bring  The Washington Post

A roundup of what experts predict will happen with mortgage rates, sales and prices in 2019.


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.


Not Everyone Benefited from Lower Interest Rates During the Great Recession  Kellogg Insight

In times of economic crisis or looming recession, the Federal Reserve can lower interest rates to incentivize borrowing and, therefore, spur economic growth.


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 ...


The Texas Mortgage Pros is The Top Rated Mortgage Lender Offering FHA Construction Loans In San Antonio, TX - Press Release  Digital Journal

San Antonio, TX - Securing FHA construction loans in San Antonio, TX has become a rather tiring and demanding process which has discouraged many from ...


9 Housing and Mortgage Trends to Watch for in 2019  MarketWatch

It's going to be a challenging year for home buyers in 2019: They will continue to compete for a short supply of homes. Home prices and mortgage rates are ...


Tremont Mortgage Trust Closes $24 Million First Mortgage Bridge Loan to Refinance Holiday Inn & Suites Atlanta Airport North  Business Wire

Tremont Mortgage Trust (Nasdaq: TRMT) today announced the closing of a $24 million first mortgage bridge loan it provided to refinance the Holiday Inn.


Mortgage refinance checklist: what you need to refinance your home | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

This handy mortgage refinance checklist tells you what you need to do before refinancing. Get your paperwork in order and know your refinance goals to speed ...


StorageMart taps CMBS for cash-out refinancing of 101 properties  Asset Securitization Report

Most of the properties were previously securitized in various conduit transactions in 2014 and 2015; they are now being bundled into a single transaction 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 ...


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

REAL ESTATE MATTERS | If you can lower your interest rate, that's good. But you also have to look at your monthly payment. Will your new monthly payment be ...


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.


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 ...


Analyst predicts weak year for HELOCs | 2019-01-15  HousingWire

Many predict the Federal Reserve will raise interest rates in the year ahead, and this means HELOC borrowers can expect their loan payments to creep upward.


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.


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 Millennials Are Adapting to Rising Prices  The MReport

Millennials are meeting the challenging environment of tight supply and rising home prices head on with this type of mortgage loan.


Brookfield secures $635M refinancing package at New York Times Building  The Real Deal Magazine

Four lenders are teaming up to provide $635M to refinance the portion of the New York Times building now owned by Brookfield Asset Management, city records ...


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.


Regulator Signals New Deal for Mortgage Prisoners  CLNews

By Trevor Clawson. Imagine for a moment that you're shopping for shoes. You see a pair costing £100 and a swift glance at your bank account confirms that you ...


These were the 10 largest Manhattan real estate loans in December  The Real Deal

The top 10 Manhattan loans recorded in December totaled just under $3 billion, continuing a five-month streak of increasing deal volume.


Government Mortgage Reduction Programs, Check Out Your Options  INQUIRER.net

Foreclosure should not and never be your option. There are a whole lot of government mortgage reduction programs that you could possibly take advantage of!


Mortgage rates drop for Wednesday  Bankrate.com

Multiple closely watched mortgage rates dropped today. See what that means for you if you're in the market for a mortgage.


Movement to buy Lennar's retail mortgage branches  National Mortgage News

Movement Mortgage is purchasing the entire retail production division of Lennar's Eagle Home Mortgage subsidiary, although the builder will still have a ...


Refinance mortgage rates mixed for Monday  Bankrate.com

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


Mortgage rates move down for Monday  Bankrate.com

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


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 To Win A Slice Of $1 Million To Pay Off Your Student Loans  Forbes

Natty Light is stepping up its commitment to help reduce student loan debt - including potentially yours. Natty Light (a light beer also known as Natural Light and ...


3 Signs You Should Refinance Your Mortgage  The Motley Fool

Refinancing at the right time can save you thousands of dollars a year.


Mortgage credit availability drops to two-year low: MBA  National Mortgage News

The standards for mortgage lending constrained in December, as a drop in conventional credit brought availability to its lowest point since February 2017, ...


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 ...


Refinance mortgage rates mixed for Friday  Bankrate.com

Refinance rates were mixed today. If you haven't locked a refinance yet, see what that means for you.


Refinance mortgage rate ratchets higher for Thursday  Bankrate.com

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


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 ...


When to refinance: I need to lower my mortgage rate or payment | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

If you're wondering when to refinance, consider your objectives and see if you'll pay less interest, reduce your payment, or lower your overall costs.


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 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.


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

In a cash-out refinance mortgage, you take a loan against your home in excess of what you owe, leaving you with cash available to spend. Adding to the debt ...


Mortgage application activity rises on uptick in refinance volume  National Mortgage News

An increase in refinance activity in the period after Columbus Day drove mortgage applications 4.9% higher from one week earlier, according to the Mortgage ...


What the government shutdown means for New Jersey agencies  NorthJersey.com

Travelers could face long lines at Newark Airport because of TSA employees calling out sick, and the Paterson Great Falls visitor center is closed.


Best cash-out refinance lenders 2019 | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

If you want to pull equity out of your home in 2019, check out this list of best cash-out refinance lenders. Because mortgage rates and costs for cash-out ...


Rates Are Rising, But Is It Time To Refinance? Five Scenarios To Consider  Forbes

If any of these scenarios apply to you, you may want to look into refinancing.


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 rates drop for Thursday  Bankrate.com

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


Refinance mortgage share falls back to 2018 low  National Mortgage News

As mortgage rates recently hit their highest point in seven years, closed refinances fell back to their low point of 2018, according to Ellie Mae.


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 ...


Rocket Mortgage Review  Bankrate.com

Rocket Mortgage from Quicken Loans lets you apply for a mortgage in minutes using nothing more than a smartphone app.


Refinance rates tick lower for Thursday  Bankrate.com

Several key refinance rates declined today. See what that means for your refinance chances.


Do mortgage lenders have minimum mortgage amounts? | Mortgage Rates, Mortgage News and Strategy  The Mortgage Reports

Are there minimum mortgage amounts to buy or refinance a home? Not according to most official program guidelines, but most lenders do set minimum amounts ...


Refinance mortgage rate trends higher for Tuesday  Bankrate.com

Refinance rates were mixed, but one key rate were higher. The national average for a 30-year fixed-rate refinance advanced, but the average rate on a 15-year ...


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 ...


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