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Refinancing and Home Equity Loans – Useful Tips

Did you know that it’s possible to make money from the value of your home? If you’re a homeowner and you’re paying high interest rates, you know how difficult balancing your checkbook can be. In the current economy, it often seems like prices just keep going up.In fact, interest rates are at a 30-year low.If you’re struggling to prosper in the financial realm, it’s time to learn about the possibilities of refinance and home equity loans.
When you refinance, you are able to change the terms and payment of your mortgage.Perhaps you’d like to lower your monthly payments, consolidate your debts, or get a fixed-rate mortgage.These are all viable options, especially with interest rates at their present low. Refinancing and home equity loans can be confusing topics.Your home equity is the difference between the market value of your home and the amount you owe on your mortgage plus some closing fees.If your home is worth 0,000 and your mortgage is 0,000, you have 0,000 in home equity.Equity is a valuable asset, and as a homeowner you have the option of borrowing from it for home improvements, investments and so on. However, in this case your home mortgage payments will remain the same.

Home Equity vs. Refinance

How should you decide between a refinance and home equity loan?As a business specialist, I can assure you that with the current low state of interest rates, it is a better decision to refinance now than to take out a home equity loan or line of credit.Though home equity and line of credit loans can allow you the financial freedom to complete home improvements or finance tuition or weddings, refinancing is more likely to save you money in the long run.According to mortgage specialists, the number of people refinancing their homes has been at an all-time high in recent years.

Home Equity and Line of Credit
Home equity loans and lines of credit are referred to as second mortgages because they’re secured by your property.A home equity loan is provided as a lump sum that is paid off over time. A home equity loan will offer you a fixed interest rate, meaning that the annual percentage rate (APR) will be the same as long as you are paying on the loan.A home equity line of credit, on the other hand (HELOC), is a loan that has a limit like a credit card, and you can borrow money as you need it. Refinance

The reason that so many people have chosen to refinance their mortgage recently is that they are saving hundreds of dollars on monthly payments. The key is to make sure that refinancing will be the right decision for you.
Here are some tips:

--If you have an adjustable-rate mortgage now and feel uncertain about the market, you can qualify for a fixed-rate mortgage, which can be a financial boost in the long run.

--If you plan to keep your home for a considerable amount of time (5 years or more), refinancing can save you by reducing the number of years that you’ll be paying on your mortgage and lowering payments.

--If your home has increased in value since you bought it, you can take cash out from your refinance and use it to help finance other expenses.

--If you are looking to put more money toward high interest rate debts such as credit cards, you will be able to consolidate these payments, resulting in huge savings overall.
The Benefits

Consider the advantages you could gain by using the valuable asset of your house to reduce the amount that you pay on your mortgage every month. Not only would you reduce financial pressure and anxiety, you could actually turn your equity into cash you can use. And if your original mortgage had a 30-year term, think of how much better it would feel to pay it off in 15 or 20 years instead. This would save you thousands in interest.
If you have an adjustable rate mortgage (ARM), and you’re financially secure and plan to stay in your home for a while, switching to a fixed-rate mortgage could be a great option.

Many are reassured by the knowledge that their monthly payments will be the same no matter what is going on in the real estate market.If you need money now for remodeling or helping your children go to college, you can refinance for a higher amount than your present principal balance and take the difference in cash. Also, if you had to buy Private Mortgage Insurance (PMI), your equity may have increased to the point where you don’t need PMI anymore, and this would lower your payments.

If you think that any of these scenarios could apply to you, visit the life planning network at website to learn more about how you can refinance and save.

This company is all about making your life easier by making sure that you’re getting the most out of your home. Simply your life is the law I go after.

About the Author: Chris Ciabarra has a Master’s in Business from Alvernia College.He has worked in various financial and utility companies, and now is a business consultant in Los Angeles.
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