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When is the best time to buy a house? How much house can you afford? Is it time to refinance?
Fortunately, using home equity wisely just takes a bit of good financial sense.
One of the great benefits of owning a home is that as you pay off your mortgage loan you build up equity.
There is one advantage to owning a home that renters will never enjoy: the tax breaks that come with paying off a mortgage loan.
You can access your home's equity in one of two ways, through a home equity loan or a home equity line of credit.
Don't give up hope, however. You might, thanks to government programs, be able to refinance your home loan even if you are underwater.
Depending on when you purchased your home and the rate you have on your current mortgage, the time might be right to refinance into a new mortgage.
If rates are low enough, you'll be able to save this money without having to pay a monthly mortgage payment that's too high for your budget.
Which of these two options is best for you? As always, it depends on your personal financial situation and your goals.
As a savvy consumer, you should always be looking for ways to shave some money from your monthly budget.
A mortgage is the largest loan that most consumers will take on during their lifetimes.
The right loan for you depends upon a wide range of factors, everything from how low or high average mortgage rates are when you are ready to apply for…
How do you determine which mortgage term is best for you and your family?
What lenders look at when determining whether you are worthy of a mortgage loan.
Make sure that you buy a home that's right for you and your family.
Before you buy a home, you want to make sure that you can afford the monthly mortgage payment.
Have you factored in all of the costs of owning a home?
Avoid taking out a home loan that will put you in a precarious financial situation.