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Beware Paying the Credit Card Minimum Payment
Need a new iPod? The computer store running a special this week? Want that new outfit? Got to have that CD? Before you reach for your credit card and make that impulse buy, think for a moment. The payments won’t be much? Think again. Paying only the...
Credit Card Condoms - Reduce Your Credit Card Debt
While there are a number of issues that need to be addressed
when tackling credit card debt, the habit of using the credit
card when you really shouldn't is a huge contributing factor for
most people.
The most difficult part of changing this...
Looking for a Bad Credit Home Improvement Loan
To make needed repairs to your home without the advantage of a good credit history often requires a bad credit home improvement loan. This loan, designed for people with less-than-perfect credit, uses the equity in your home or real estate and...
The Credit Card Offer
One day I got a call from my credit card company asking me if I would like to increase my credit limit by borrowing up to $9000 at their special rate of 15.9%. The operator stated, "Your credit card rate will then be a low 15.9%. How much would you...
Tips for Finding the Best Credit Card Rates
If you are interested in getting a credit card, you probably
want the best rate you can get. There are a lot of different
credit card companies that offer varying rates. In order for
you to decide which credit card company to select, you...
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Your Home Equity Credit Lines
Do you need to borrow money? Home equity lines may be one source
of credit. Home equity credit lines may provide you with large
amounts of cash at a low interest rate and they may provide you
with certain tax advantages with other loans.
Home equity lines of credit require you to use your home as
collateral for the loan. This may put your home at risk if you
are late or cannot make your monthly payments. Those loans with
a large final (balloon) payment may lead you to borrow more
money to pay off this credit line, or they may put your home in
jeopardy if you cannot qualify for other refinancing. If you
sell your home, most plans require you to pay off your credit
line at the time of closing. In addition, because home equity
loans give you relatively easy access to cash, you might find
you borrow money more often.
Remember too, there are other ways to borrow money from a
lender. For example, you may want to explore second mortgage
installment loans. Although these plans also place an additional
mortgage on your home,
second mortgage money usually is loaned
in a lump sum, rather than in a series of advances made
available by writing checks on debts. Also, second mortgages
usually have fixed interest rates and fixed payment amounts.
You also may want to explore borrowing from credit lines that do
not use your home as collateral. These credit lines may be a
better option for you and your situation. These are available
with your credit cards or with unsecured credit lines that let
you write checks as you need the money. In addition, you may
want to ask about loans for specific items, such as tuition,
cars, and those nasty credit cards. Either way, home equity
lines can be useful if done the right way.
About the author:
Copyright Troy Francis. Troy is a writer and real estate broker
for Century Mortgages. Please feel free to republish this
article. We only ask that you leave the link active. You many
see more articles like this by going to:
http://www.CenturyMortgages.org
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