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Benefits of Consolidating Your Debts With a First or Second Mortgage

Did you know you can use a first or a second mortgage for paying off your debt? A first or second mortgage makes debt consolidation easy and helps make paying off your debt more manageable.

If youíre unsure whether a first or second mortgage for debt consolidation makes sense these consider these 4 money-saving benefits!

One low payment

Why make multiple payments every month to cover your major credit card bills, store and gas bills, loans and whatever other type of debt you pay when one single monthly payment covers them all? When you use a first or second mortgage to pay off debt, you start by obtaining a loan large enough to cover the total amount due for each debt you wish to consolidate. You then use those funds to bring each of the balances down to zero.

With your debts repaid in full youíll be left with just one monthly payment thatíll go towards repaying the first or second mortgage. Plus, with only one monthly bill to pay, youíll no longer be wasting your money paying interest each month Ė much of which is based on soaring rates of interest Ė on each of those debts. The interest rate youíll pay on a first or second mortgage most likely will be in the single digits and thatís going to save you money!

Interest rates are tax deductible

Speaking of interest rates, another benefit of debt consolidation using a first or second mortgage is that the interest you pay on this type of loan is tax deductible. Not only will you be paying less in interest each month, youíll be able to lower your taxable income, which most likely is going to save you even more money.

Simple interest vs. compound interest

Do you find that even though you keep making monthly payments the balances donít seem to shrink much? You can thank compound interest for that. When interest compounds it means that interest is calculated based on the current balance due. Next, the calculated interest is added to the balance due to create the new balance. This newly calculated amount is then used as the basis for calculating interest on the preceding billing period. Simple interest is calculated based only on the principle due. Most first or second mortgages calculate interest using the simple interest formula which again, is going to save you money.

Youíll have a fresh start

If you make minimal payments on your monthly debt, it can take up to 30 years to repay those balances in full! Getting a first or second mortgage for debt consolidation pays off your debt all at once and keeps you from feeling like youíre spinning your wheels to no avail. Itíll be like getting a fresh start but youíve got to avoid the temptation to run those bills up again!

About the Author: Melvin is the President of Affordable Home Equity Loans, Inc. in Tampa, FL.

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