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Differences in Fixed Rate Mortgages and Other Mortgages

When purchasing property or refinancing a home, a borrower should consider the various types of mortgages available to fit within their needs and their budget.  Listed below are a few different types of mortgages that are available to help you find the best type of loan to best suit your needs.

Advantages and Disadvantages of a Home Equity Line of Credit

A home equity line of credit (HELOC) is a financial tool available to homeowners who have equity in their home. Although it is an option for most people, the advantages vary from person to person. A HELOC is similar to a home equity loan, but instead, the loan is in the form of a line of credit. There are advantages and disadvantages of a home equity line of credit. You should considered these factors before you decide if it is right for you.

 6 Questions to Ask When Choosing a Home Equity Loan

A house is usually one of the biggest assets that a person owns. Whether it is big or small, it plays an important role in a person’s life. That is why homeowners should decide very carefully when taking out a home equity loan. There are important questions to ask when choosing a home equity loan. 

Pros and Cons of Renting and Buying a Home

Finding a place to live can be a daunting task. Many things go through your head when you make this decision – the first of which is probably “Should I buy a house or should I rent it?” Before you take the big leap, you must first decide which option is best for you.

Mortgage Points and Closing Costs Explained

A mortgage point is the amount equal to 1% of the mortgage loan amount. For example, let’s say that you take out a loan of $400,000, one point will be $4,000.  This article explains mortgage points and closing costs, and offers a few tips to avoid paying them. 

How to Save Money While Moving

Moving can be expensive if you're not completely prepared for it. Your main moving expenses will be on packing materials, gasoline, food, movers and figuring out how to coordinate your move. Consider these tips for your next move.

5 Signs That It's Time To Downsize Your Home

The home you are living in currently may not be the right home for you in the future. Many people buy their dream home with the hopes of staying in it forever. Things change and your dream home of a couple of decades ago may not fit your needs today. Let's look at five signs that it's time to downsize your home.

Home Equity Appraisals Versus Home Equity Evaluations

If you’ve seen realtors’ billboards recently, you’ve probably seen them offering incentives to buy or sell your house. They can be pretty tempting, too. After all, who doesn’t want a guarantee that their house will sell within 48 hours of being put on the market?  

Seven Ways to Increase the Value of Your Home

Real estate prices are not the same anymore, so it is natural for a homeowner to think about selling their house and ways to raise their home’s financial value. With housing prices growing, this is a great time to increase the value of your home. With that being said, it is not always necessary to spend a lot of money on the total remodel of a house.

Can You Buy A Home If You're In Debt?

If you are looking for a home, you might be wondering if it is possible to purchase one if you are in debt. Most Americans are in debt, so you are not alone in wondering this. Here is what you need to know about credit and how it affects your home buying goals: