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Mortgages, Refinancing and HELOCs

Mortgages, Refinancing and HELOCs

Mortgages

Mortgages are the gateway for many on the path to home ownership. As the largest asset (and loan) a lot of people will have, its important to understand the basics of how mortgages work. Below you will find an extensive list of articles with guides, recommendations, pitfalls, and more about what to know when obtaining a mortgage.

If you're new on the path to home ownership, its important that you have your financial house in order. Before buying a home, make sure you have a solid financial plan with a properly structured budget.

If you don't have a financial plan, we got you covered. Check out our 6 Steps to Financial Freedom.

Mortgage Refinancing

We didn't stop at the boring old mortgage either. Those looking to tap into their equity, lower their monthly payment or extend/shorten their loan term will find a ton of information about mortgage refinancing.

Refinancing a mortgage can be a very beneficial decision when done correctly. Lowering payments or consolidating debt can be a great way to get ahead for the long-term. Just make sure you don't run those credit cards up again if you consolidate them into your mortgage.

To check local Refinancing offers with just your zip code, use this tool:

FREE Refinance Quotes Comparison

Compare Multiple Offers Instantly



Home Equity Line of Credit (HELOC)

Not to be forgotten is the powerful home equity line of credit, or HELOC for short. They can provide quick access to cash for just about any reason you can imagine. Whether it's a home remodel, a cash payment on a second home or even a backup emergency fund, a HELOC is a great way to access your home equity in a pinch.


Latest Articles About Mortgages, Refinancing and HELOCs

Mortgage Forbearance

October 2, 2020

How Does Mortgage Forbearance Work?

No one buys a home with an expectation to ever request a mortgage forbearance on it. But the reality is, when you buy a home you’re typically locking

Category iconMortgages

What to Know Before Refinancing Your Mortgage

September 29, 2020

What to Know Before Refinancing Your Mortgage

Refinancing your mortgage replaces your current home loan with a new one. The most common reason to refinance is to reduce the interest rate on the

Category iconMortgages

What is a Cash-Out Refinance

September 28, 2020

What is a Cash-Out Refinance?

For many Americans, their home is the biggest asset on their personal balance sheet. However, real estate is highly illiquid, meaning it's not quick

Category iconMortgages

Pay Off Mortgage vs Invest

September 10, 2020

Pay Off the Mortgage vs. Invest the Cash

Owning a home is an expensive proposition. In fact housing, transportation and food account for more than 60% of the average U.S. household’s

Category iconMortgages

Down Payment

August 24, 2020

Home Buyer Down Payment Guidelines

People have generally believed that you need a down payment of 20% of a house’s purchase price. You can get a mortgage for the remaining 80% or so.

Category iconMortgages

15 vs 30 Year Mortgage

August 19, 2020

15 vs 30 Year Mortgage: What You Should Know

You’ve decided to buy a home. Congratulations! Next you will need to get a mortgage. Especially if you’re a first-time home buyer, it’s important to

Category iconMortgages

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Proper Cents is part of the Waaz Media family, and focuses on educating individuals and families about all things related to personal finance.

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