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Getting Better Looks with Cosmetic Surgery Loans
Looking good makes one feel good and confident. Many times the birth defects, stressful life and aging leave their marks on our bodies, which require correction. Many people feel that a little aesthetic improvement in their face and body will help...
Home Equity Loans – Research Your Lender Carefully
Real estate prices are rising across the country, and Americans are tapping into their home equity like never before. Americans took out $431 billion in home equity loans in 2004, and that amount may increase in 2005. The reasons vary; some are...
Loans for Women : Personal Loans
Loans for Women : Personal Loans
If you can't get a loan at the bank, then you still have options
even though they don't look as tasty as a low APR loan. Women
with good credit can easily get a loan at their bank. What's a
good credit score?...
No credit check personal loans: when the best loan can't offset bad credit
If there was ever a life saving drug in the loan industry to
people with bad credit - it is personal loans. Bad credit
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The various types of loans out there
There are many types of loans available in the market today.
Depending if you are seeking some knowledge or information on
the various products out there, a little research helps. With
the booming economy many consumers are seeking refinancing...
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Refinancing with Home Equity Loans
If you have lived in your home for a reasonable amount of time,
you may be considering refinancing.
Refinancing can be done in a few different ways. One of the most
popular recently has been the home equity loan.
A home equity loan is a loan used to pay off your existing
mortgage at a lower rate.
Also, when refinancing with a home equity loan, you have the
option of liquidating some of the equity you have established in
your home through monthly mortgage payments and appreciation.
Lets suppose you owe $125,000.00 on the mortgage to your home,
but your home is worth $200,000.00. This means you have
$75,000.00 worth of equity that you can liquidate.
Realistically, you could get a home equity loan for $150,000.00,
pay off your existing mortgage, and have $25,000.00 left for
home improvement, a new car, college tuition, etc.
Home equity loans also come in the form of a line of credit,
better known as a home equity line
of credit.
The difference between a home equity loan and line is that the
line comes with a variable rate, which means it will adjust with
the prime rate, so be careful when deciding.
The home equity credit line can also be re-tapped once it has
been partially paid off, or paid off in full, which makes for
much convenience.
Before deciding on how you want to go about doing your
refinancing, be sure to educate yourself as much as possible
about the mortgage industry.
Also, shop around for the best rate and program that fits your
needs and budget. The mortgage industry is a competitive one, so
let them fight for your business. Good luck.
About the author:
Jennifer Hershey has more than twenty years of experience in the
Mortgage Industry as a loan officer. She is the owner of
http://www.explainingmortgages.com/, a mortgage resource site
devoted to making mortgage terms and products easy to
understand.
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