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Simplify, Simplify: The Ins and Outs of Downsizing a Home

from our LIBRARY

home equity articleDownsizing your home can free you from the large time and cost commitment of a large house that you no longer need. Downsizing can be a step forward as it offers numerous benefits, such as reduced utility costs, less upkeep and maintenance. On the other hand, it can impact both your estate planning and pension. Therefore, it is important to carefully plan your move.


at our home equity library

Home Equity Tip

for the week of: October 23


Remember when you were a kid and there was that one house in the neighborhood that all of the kids thought was haunted.

What are the kids saying about YOUR house this Halloween?

Weekly Tip:
view our weekly "home equity" tip

3 Things To Know Before Signing On A Foreclosed Home

from our LIBRARY

home equity articleBuying a foreclosed home can be one of the best opportunities of your lifetime. It can also be a source of great stress and hardship if the right choice isn't made. Being educated about the process as well as the home you wish to purchase can help you to decidedly avoid many headaches that can accompany foreclosures.


at our home equity library

Evaluating Equity: Knowing the Right Time to Refinance Your Home

from our LIBRARY

home equity articleIf you think that you can improve upon the terms of your current mortgage, refinancing may make sense. However, there are a number of variables that you need to consider before you start talking to a lender about a new mortgage. How do you know if now is the right time to refinance your home loan?


at our home equity library

Read more articles at our Home Equity Library

get your home value

Check the market value of the home you are reviewing and neighborhood. It is a report you can use to structure your financing request.

becoming a bank

Use your equity to become your personal bank

  • step1: open an equity line account
    make sure it has zero fees for withdrawals

  • step2: advance yourself money for a life-event
    borrow funds from your equity line to pay for a life-event

  • step3: deposit all income into the account
    deposit all of your income into the equity account - this includes your pay and other misc. income

  • step4: pay all living expenses from account
    pay your mortgage, housing, food, utilities and all other living expenses using your equity line account

  • step5: excess income reduces debt balance
    the discretionary income will pay down the balance over time

    view this module for more illustrations

Quick Home Equity Reference

FREE 1-page map to navigate through the home equity process:

  1. understanding equity types
  2. reviewing features
  3. using calculations
  4. getting qualified
  5. submitting the application
  6. becoming a bank
print navigation map
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Home Equity • Home Equity Loans • Home Equity Lines of Credit • Home Equity Credit Lines
Home Equity Borrowing • Home Equities • Home Equity Use • LTV Calculator

About Home Equity Loans summarizes everything you need to select the right home equity loan or home equity credit line for consolidating debts, remodeling your home, buying a new car or truck, sending your child to college, starting a home business, paying off your mortgage, or planning some life event where you act as the banker giving yourself money when and as you need.

You will find home equity rate information, home equity calculators, home equity uses, and summary information between home equity loans and home equity credit lines.

You can become the expert by starting with our quick reviews of the home equity. It will illustrate tools and uses of your home equity. Our objective is to make you a home equity loan expert, so that your can negotiate the best home equity rate and home equity product.

And when you are ready to submit your loan application, use our lending network to shop and find the best home equity line or loan for your needs.

The Banker Line of Credit (BLOC)

Did you know that you can convert your home equity line account into a banker's account (BLOC). View our slide presentation on how the BLOC can can function as a money account. Use the BLOC to payoff debts (including your mortgage) and to finance needs at the least amount of interest. We offer a 10-step plan to successfully manage your BLOC account...