Just Home Mortgages » Home Equity Rates

Don’t use equity for home improvement

webmaster — Thu, 26 Mar 2009 23:18:04 +0000

Cash should be king for a couple who are required to landscape their yard by this spring.

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Renters get foreclosure relief

webmaster — Thu, 26 Mar 2009 23:18:04 +0000

Fannie Mae and Freddie Mac’s new programs let renters stay in homes that are foreclosed.

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Government helps homeowners refinance

webmaster — Thu, 26 Mar 2009 23:18:04 +0000

Looking to refinance? The FHA and VA allow for little equity, and less-than-perfect credit.

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New mortgage, old problem?

webmaster — Thu, 12 Mar 2009 23:18:04 +0000

Given a second chance at a mortgage? Here’s how to negotiate a realistic payment plan.

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Do you have enough equity to refinance?

webmaster — Tue, 10 Mar 2009 23:18:03 +0000

Before you shell out hundreds to find out if you qualify to refinance, it pays to do your homework.

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Home equity lenders may block refi

webmaster — Sat, 28 Feb 2009 00:18:04 +0000

Home equity lenders have to OK a refinancing, and many are saying no. They want the loan paid off.

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High credit scores get top loans

webmaster — Tue, 23 Dec 2008 21:15:04 +0000

Your ability to get a loan with the best terms is still based on your credit score, only now it must be higher.

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Paying down HELOC may trigger freeze

webmaster — Fri, 05 Dec 2008 21:15:03 +0000

Rushing to pay down a home equity line of credit opens you to the risk that the HELOC will be frozen.

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Do math before merging HELOC, mortgage

webmaster — Sat, 22 Nov 2008 21:15:03 +0000

In some situations, it makes sense to combine a mortgage loan with a home equity line of credit.

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ID thieves are targeting home equity lines

webmaster — Sat, 15 Nov 2008 21:15:03 +0000

With identity theft on the rise, scammers are targeting homeowners with substantial equity in their homes.

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Borrowing from family, friends, strangers

webmaster — Wed, 08 Oct 2008 20:15:03 +0000

Borrowing money from people you know or complete strangers can be better, or worse, than dealing with institutions.

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Bank failure could freeze HELOC access

webmaster — Tue, 23 Sep 2008 20:15:04 +0000

When a bank fails, access to your home equity line of credit may be frozen temporarily, says Dr. Don Taylor.

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Consumers get mixed economic messages

webmaster — Sat, 20 Sep 2008 20:15:04 +0000

Economist Ellen Frank explains that financial institutions send confusing signals because they primarily serve the interests of the wealthy.

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10 do’s and don’ts for borrowing money

webmaster — Tue, 16 Sep 2008 20:15:03 +0000

If you follow these rules, you will likely lead a fiscally solvent lifestyle that will keep you out of trouble.

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7 brainless borrowing behaviors

webmaster — Sat, 13 Sep 2008 20:15:04 +0000

Some loans are bad by design. But other loans can turn into bad deals if consumers follow these strategies.

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Comparing loan products for pricey items

webmaster — Wed, 10 Sep 2008 20:15:03 +0000

Bankrate explores the pros and cons of popular loan products to help take the guesswork out of borrowing money.

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Comparing loan products for big-ticket items

webmaster — Tue, 09 Sep 2008 20:15:03 +0000

Bankrate explores the pros and cons of popular loan products to help take the guesswork out of borrowing money.

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How to get the best loan rates

webmaster — Thu, 28 Aug 2008 20:15:05 +0000

Learn about the forces that drive rates on several different types of loans in this tough lending environment.

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Americans less clueless about mortgages

webmaster — Thu, 28 Aug 2008 20:15:05 +0000

More people know what kind of mortgage they have than last year, but more also worry about making home payments.

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Smart borrowing

webmaster — Thu, 28 Aug 2008 20:15:05 +0000

In our 16th installment on Financial Literacy, Bankrate offers strategies for financing a major purchase, ranging from a new home to a college education.

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Ask why you need a loan

webmaster — Thu, 28 Aug 2008 20:15:05 +0000

Consumers who don’t really need the money have no trouble getting loans, says money expert Chris Farrell.

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Escape the debt trap

webmaster — Wed, 06 Aug 2008 20:15:03 +0000

Drowning in debt? Keep a cool head and carefully weigh your options. One of these five choices could be your ticket out.

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No grace period on simple interest loan

webmaster — Sat, 02 Aug 2008 20:15:03 +0000

Late payments are costly for borrowers with simple-interest loans, says Dr. Don Taylor.

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Appraisal may reverse equity freeze

webmaster — Sat, 19 Jul 2008 20:15:04 +0000

A home appraisal may convince a lender to reverse a home equity freeze, says Dr. Don Taylor.

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Understanding credit scores

webmaster — Mon, 07 Jul 2008 20:15:04 +0000

Understanding the factors that go into your credit score will help you manage it.

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The dangers of debt consolidation

webmaster — Mon, 07 Jul 2008 20:15:04 +0000

Are you tempted to take out one big loan to pay off all those other nagging debts? Before you bundle your bills, check out the pros and cons of these consolidation options.

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5 ways to improve your credit

webmaster — Fri, 04 Jul 2008 20:15:02 +0000

A step-by-step guide for boosting your credit rating.

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No villains in home equity freeze

webmaster — Thu, 26 Jun 2008 20:15:03 +0000

Borrowers may lament a HELOC freeze, but lenders are just protecting themselves, says Dr. Don Taylor.

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Paying loans with HELOC involves risk

webmaster — Thu, 26 Jun 2008 20:15:03 +0000

Tapping a HELOC to reduce a debt load sometimes involves risk, says Dr. Don Taylor.

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Frozen HELOC can ice credit score

webmaster — Fri, 20 Jun 2008 20:15:03 +0000

Under some circumstances, freezing a HELOC might not change the score much; under others, the credit score can tumble enough to derail one’s financial plans.

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HELOC is not interest-only forever

webmaster — Fri, 16 May 2008 20:15:03 +0000

A home equity line of credit does not remain interest-only forever, says Dr. Don Taylor.

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HELOC activity may affect FICO score

webmaster — Thu, 24 Apr 2008 20:15:06 +0000

Maxing out a home equity line of credit may impact your FICO score, says Dr. Don Taylor.

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HELOC rate should decline with Fed cuts

webmaster — Tue, 15 Apr 2008 20:15:04 +0000

Something may be amiss if a HELOC rate doesn’t decline with the prime rate, says Dr. Don Taylor.

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Keeping liquid when home equity is frozen

webmaster — Tue, 01 Apr 2008 20:15:04 +0000

Lenders are freezing access to home equity products. What can borrowers do to keep the cash flowing?

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Dave Ramsey answers readers’ questions

webmaster — Thu, 27 Mar 2008 20:15:02 +0000

Readers ask a variety of questions about debt and savings, and financial expert Dave Ramsey has strong opinions about what they should do.

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Sacrifice today for freedom tomorrow

webmaster — Wed, 26 Mar 2008 20:15:03 +0000

In our society, to be normal is to be broke, says radio personality and TV show host Dave Ramsey. Overcoming debt is the key to a secure financial future.

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Borrowing options that offer a lifeline

webmaster — Mon, 17 Mar 2008 20:15:04 +0000

Try not to get caught in a shark feeding frenzy as you look for an escape to safety.

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Raid retirement to save home?

webmaster — Sun, 16 Mar 2008 20:15:08 +0000

Before you use retirement assets to save your home from foreclosure, consider you could be making an irreparable dent in your retirement assets.

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Lender not ‘pre-charging’ interest fee

webmaster — Sun, 16 Mar 2008 20:15:08 +0000

Despite a borrower’s suspicions, he is not being “pre-charged” finance fees, says Dr. Don Taylor.

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Why we spend and what we can do about it

webmaster — Sun, 16 Mar 2008 20:15:08 +0000

Events have conspired to make spending way too easy. Here’s how to counter the forces that can hurl you to self-destruction.

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Deducting mortgage loan points

webmaster — Fri, 01 Feb 2008 21:15:03 +0000

Don’t overlook the points you paid to get a lower mortgage rate. They can be a useful tax break.

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Best home equity moves to make in 2008

webmaster — Mon, 10 Dec 2007 21:15:02 +0000

What to do if you’re using a home equity loan or HELOC in 2008.

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Paying off debt not always best option

webmaster — Mon, 05 Nov 2007 21:15:03 +0000

Sometimes, financial flexibility is more important than getting rid of debt, says Dr. Don Taylor.

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3 ways to shrink debt

webmaster — Mon, 05 Nov 2007 21:15:03 +0000

Now that the Federal Reserve has cut some borrowing costs, here’s how to take advantage.

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3 ways to follow the Fed’s rate cut

webmaster — Fri, 02 Nov 2007 20:15:07 +0000

Now that the Federal Reserve has cut some borrowing costs, here’s how to take advantage.

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Don’t use HELOC to finance new car

webmaster — Fri, 02 Nov 2007 20:15:06 +0000

Tapping home equity to pay for a new car usually doesn’t make sense, says Bankrate car columnist Terry Jackson.

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Tap home equity carefully

webmaster — Mon, 22 Oct 2007 20:15:04 +0000

Rates on home equity lines unlikely to rival those of mortgage, says Dr. Don.

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$10,000 Home Equity Loan rates go down in the United States Tuesday

webmaster — Tue, 16 Oct 2007 20:15:03 +0000

$10,000 Home Equity Loan rates go down in the United States Tuesday

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Treat loan as business decision

webmaster — Fri, 12 Oct 2007 20:15:03 +0000

Betting the house on a brother’s business should be in writing, says Dr. Don.

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Pay down HELOC or auto loan?

webmaster — Thu, 11 Oct 2007 20:15:05 +0000

Paying off HELOC first frees up borrowing capacity, says Dr. Don.

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Beware of steep overdraft fees

webmaster — Fri, 05 Oct 2007 20:15:07 +0000

Dr. Don advises a reader who is perplexed about a $1,000 bank overdraft withdrawal.

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Typical HELOC interest-only at first

webmaster — Thu, 04 Oct 2007 20:15:03 +0000

Paying down the principal on a HELOC lowers interest expense, says Dr. Don.

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Use cash-out refi if credit is good

webmaster — Tue, 25 Sep 2007 20:15:02 +0000

Refinance is better than HELOC for home improvement costs, says Dr. Don.

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HELOC holders give Fed an ovation

webmaster — Mon, 24 Sep 2007 20:15:09 +0000

The Federal Reserve Rate cut gives HELOC owners reason to smile, as their rates will also decrease.

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$10,000 Home Equity Line Of Credit rates go down in the United States Thursday

webmaster — Thu, 20 Sep 2007 20:15:03 +0000

$10,000 Home Equity Line Of Credit rates go down in the United States Thursday

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Keep marital split fair and equitable

webmaster — Mon, 17 Sep 2007 20:15:03 +0000

Don’t empty retirement account in divorce, says Dr. Don.

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Personal Loan rates go up in the United States Tuesday

webmaster — Tue, 11 Sep 2007 20:15:03 +0000

Personal Loan rates go up in the United States Tuesday

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Getting out of a HELOC

webmaster — Mon, 10 Sep 2007 20:15:03 +0000

It’s not likely you’ll improve your present rate with a refinance, says Dr. Don.

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$30,000 Home Equity Line Of Credit rates go down in the United States Monday

webmaster — Mon, 03 Sep 2007 20:15:02 +0000

$30,000 Home Equity Line Of Credit rates go down in the United States Monday

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Leave your life insurance loan alone

webmaster — Thu, 30 Aug 2007 20:15:03 +0000

Deduction from home equity tax deduction may not be worth it, says Dr. Don.

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A look at mortgage acceleration plan

webmaster — Mon, 27 Aug 2007 20:15:03 +0000

You can get the same results by prepaying principal, says Dr. Don.

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Borrow or cash in savings?

webmaster — Fri, 24 Aug 2007 20:15:02 +0000

Consider how long it will take to pay back the loan, says Dr. Don.

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$30,000 Home Equity Loan rates go down in the United States Tuesday

webmaster — Tue, 14 Aug 2007 20:15:06 +0000

$30,000 Home Equity Loan rates go down in the United States Tuesday

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$10,000 Home Equity Loan rates go up in the United States Friday

webmaster — Sun, 12 Aug 2007 20:15:14 +0000

$10,000 Home Equity Loan rates go up in the United States Friday

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Bridging the gap between buy and sell

webmaster — Thu, 09 Aug 2007 20:15:13 +0000

It’s hard to do a refinance on a house that’s for sale, says Dr. Don.

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Personal Loan rates go down in the United States Monday

webmaster — Mon, 06 Aug 2007 20:15:30 +0000

Personal Loan rates go down in the United States Monday

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$10,000 Home Equity Loan rates go down in the United States Thursday

webmaster — Thu, 02 Aug 2007 20:15:03 +0000

$10,000 Home Equity Loan rates go down in the United States Thursday

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$10,000 Home Equity Loan rates go up in the United States Wednesday

webmaster — Wed, 01 Aug 2007 20:15:10 +0000

$10,000 Home Equity Loan rates go up in the United States Wednesday

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What do you know about credit scores?

webmaster — Fri, 13 Jul 2007 20:15:02 +0000

Take our poll to check your understanding of credit and see how you compare with the nation.

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Bride-to-be needs help

webmaster — Mon, 09 Jul 2007 20:15:04 +0000

Angel recently moved and took a new job but she’s most concerned about improving her credit score before she marries.

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My wife’s overspending ruined our credit

webmaster — Mon, 09 Jul 2007 20:15:04 +0000

If this songwriter had taken advice from his hit song “D-I-V-O-R-C-E” sooner, he might have saved his credit.

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The dark side of credit reports and scores

webmaster — Mon, 09 Jul 2007 20:15:03 +0000

The author of “Credit Scores and Credit Reports,” Evan Hendricks, says the credit card industry’s use of credit reporting and scores is often designed to make you pay more.

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Late payments crush credit scores

webmaster — Fri, 06 Jul 2007 20:15:07 +0000

Our financial adviser offers guidance to this bride-to-be for boosting her credit score.

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Correcting credit reports

webmaster — Tue, 03 Jul 2007 20:15:09 +0000

The accuracy of a credit report depends on you. Check them and correct if necessary. Here’s how to fix mistakes.

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Credit scoring no-no’s

webmaster — Fri, 29 Jun 2007 20:15:09 +0000

Some financial missteps do more than ding your credit. Some can ruin it for a long time.

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Debunking credit score myths

webmaster — Wed, 27 Jun 2007 20:15:04 +0000

FICO score insider Craig Watts shares secrets and myths about those three numerals that affect the rates you pay.

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Credit score: Ignorance is expensive

webmaster — Mon, 25 Jun 2007 20:15:03 +0000

What you don’t know about your credit may already be costing you money in lost opportunities and higher charges on everything from insurance to loans.

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12 ways to get free credit reports

webmaster — Mon, 25 Jun 2007 20:15:03 +0000

Get tips for maximizing free resources available for checking your credit reports and credit score.

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12 ways to get free credit scores and reports

webmaster — Fri, 22 Jun 2007 20:15:03 +0000

Get tips for maximizing free resources available for checking your credit reports and credit score.

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Twenty-two top painting blunders

webmaster — Fri, 22 Jun 2007 20:15:03 +0000

Here are 22 rules and tips to live by when painting the interior of your home.

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Credit scores & your mortgage rate

webmaster — Thu, 21 Jun 2007 20:15:05 +0000

A good credit score saves you money. Check out the savings on a mortgages, a home equity loan and a new car.

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5 tips to improve your credit score

webmaster — Thu, 21 Jun 2007 20:15:05 +0000

Strategies for fixing a less-than-perfect credit score with a little time and elbow grease.

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4 smart ways to tame debt

webmaster — Thu, 21 Jun 2007 20:15:05 +0000

Take a bite out of debt with these practical steps.

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Credit scores made simple

webmaster — Wed, 20 Jun 2007 20:15:03 +0000

Check out exactly which actions affect your credit score and to what extent.

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Refinancing to make ends meet

webmaster — Wed, 20 Jun 2007 20:15:03 +0000

If you’re selling the house in one year, it doesn’t make much sense, says Dr. Don.

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ABCs of credit reports

webmaster — Tue, 19 Jun 2007 20:15:04 +0000

Do you know the difference between a credit report and a credit score? We explain.

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Selecting the right plumbing fixtures for your home

webmaster — Tue, 19 Jun 2007 20:15:04 +0000

When remodeling, the end result in the bath and kitchen will hinge in part on what kinds and quality of plumbing fixtures you buy. Here’s a guide to the latest choices.

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Poll: 1 in 3 don’t bother to check credit

webmaster — Mon, 18 Jun 2007 20:15:03 +0000

A new nationwide poll commissioned by Bankrate shows that 32 percent of Americans don’t check their credit reports and 45 percent never have checked their credit score.

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