equity loan?

Jan 22, 2007 by Bobbie | Posted in Renting & Real Estate

how do you know if you are quilified for a equity loan.I know we have equity in our home and in the past I have always been told "sorry you are not quilified for anequity loan but we can refinance your home".I know that the lender makes alot

Your problem may have to do with what lender you are asking the question.

If you go to a lender that specializes in refi. They want to do a refi.

If you to the lender that specializes in Heloc they will want to give

hunter2 | Jan 22, 2007

Your problem may have to do with what lender you are asking the question.

If you go to a lender that specializes in refi. They want to do a refi.

If you to the lender that specializes in Heloc they will want to give
hunter2 | Jan 22, 2007

Equity loan?

Jan 25, 2008 by Bee | Posted in Renting & Real Estate

Currently I had equity loan from Well Fargo bank with rate 8.75%. Can I apply for replace that with different bank for better rate?

Yes you can.

Make sure to price out your loan with your LOCAL banks and mortgage brokers only.
A lot people giving advice on here are also looking to give you a loan (its not advice, its advertising), if they are not local to you

saeed q | Jan 25, 2008

Home equity loans

Simple example of borrowing from equity to fuel consumption

Cash-Out Refi or Home Equity Loan?

18.05.12

Thinking about a home equity loan or line of credit? You might be better off with a cash-out refinance of your current mortgage instead.

Lenders are once again offering home equity loans and lines of credit (HELOCs), after many suspended such offerings a few years ago with the crash of the housing market. But they're still hard to come by and have steep equity requirements, a far cry from the days when lenders were actively encouraging borrowers to use their homes as seemingly bottomless piggybacks.

Advantages of a cash-out refinance

Source: NASDAQ

Equity loan - Bookshelf


Popular Mechanics
174 pages 		Popular Mechanics

1987-07
But borrowings under a home equity line remain deductible, within limits. If the proceeds of your loan are used for ... The average line of credit on home equity loans is about $40000 — giving reckless borrowers far more leeway to wreak ...
J.K. Lasser's Your Income Tax 2012, For Preparing Your 2011 Tax Return
848 pages 		J.K. Lasser's Your Income Tax 2012, For Preparing Your 2011 Tax Return

Creator: J. K. Lasser | Business & Economics - 2011-10-19
Home Construction Loans ~ 15.3 Home Equity Loans Mortgages that are not used to buy, build or improve your home (these are acquisition debt; 15.2), are considered home equity debt. Interest you pay on home equity debt is deductible ...
Publisher: Wiley
J.K. Lasser's 1001 Deductions and Tax Breaks 2011, Your Complete Guide to Everything Deductible J.K. Lasser's 1001 Deductions and Tax Breaks 2011, Your Complete Guide to Everything Deductible

Creator: Barbara Weltman | Business & Economics - 2011-10-26
Equity is built up in two ways: by paying down a mortgage on the home and by appreciation in property values. As your equity increases, you may be able to tap into it without selling the home by using a home equity loan.
Publisher: Wiley

Find Out How Home Equity Lines of Credit are Being Closed With No ...

by admin

If you have a home equity line of credit , you may think that your contract with your lender is ironclad. After all, your collateral is your home; what could be more secure than that? And if you are making your payments on time and sticking to the limitations of the line of credit, then your bank should be happy. 

But you may be in for a shock. Increasingly, banks are suspending consumer home equity lines of credit (HELOCs) with no notice. Homeowners who think that they have access to their home equity line of credit are suddenly cut off from an expected source of funds, and their credit rating may be affected by something that seems to be out of their control. They may even inadvertently bounce checks written against the account. What’s going on?  

...

Read more...

Equity loan - News


Home Equity Loans With Bad Credit Are Possible: Just Answer These 4 Questions
Caribbean Media Vision - May 18, 2012
Homeowners with bad credit are generally not as out of luck as they may think when searching for a loan. Even with bad credit, home equity loans are available to you if you meet certain qualifications. In fact, a home equity loan, which is also called

Reverse Mortgage vs. Home Equity Loan
NASDAQ - May 18, 2012
If you're over 62 and need to borrow against your home equity, what's the better option? A reverse mortgage or a home equity loan/line of credit? Both have advantages and disadvantages. A reverse mortgage is costlier, but doesn't have to be repaid

Q&A: Is a second mortgage or home equity line a wise move?
e-wisdom.com - May 18, 2012
Q&A: Is a second mortgage or home equity line a wise move? Circumstances usually dictate whether getting a home equity loan or line-of-credit (HELOC) is a wise decision. First, determine and identify your purpose for this loan. When you compare refinance rates, you may determine that refinance loans may be a

Post-Dispatch Owner Lee Wins Court Approval of $20 Million Bankruptcy Loan
Bloomberg - May 18, 2012
claims to get a share of a new $175 million second-lien facility and 15 percent of the reorganized company's equity. The remainder of the lenders' debt would be converted into a new $689.5 million secured term loan. The loans would mature in 2015.

Pacific Sunwear Gets Private Equity Loan and Closes Stores
New York Times - May 18, 2012
Pacific Sunwear Gets Private Equity Loan and Closes Stores Golden Gate Capital, a San Francisco-based private equity firm known for its retail expertise, will loan Pacific Sunwear $60 million to give the company more financial flexibility. Two Golden Gate executives will also join Pacific Sun's board of

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