Brown Phone
2008

Clyde Brown Gives 6 Questions to Ask When Choosing a Home Equity Loan in Fremont
Are you looking for more money for unexpected expenses? The roof has a leak, siding is rotting through and a newborn child means you need more living space. Maybe you bought too much on a shopping spree on your credit cards and now the bills are overflowing. Taking advantage of your home equity can help ease these financial crises. Before deciding to borrow be sure to ask yourself these questions by Clyde Brown.
1. When do I need a home equity loan compared to a home equity line of credit?
When interest rates are low, a loan is the better choice. With a loan you are able to borrow the full amount at one time and a fixed rate will be set on the total. The advantage to a loan lets you budget for payments each month.
Borrowing with a line of credit has a revolving line of credit with variable interest rates. The money is available to you in an account comparable to a checking account by writing a check for each purchase. As the rates fluctuate, the payments also change. Only the amount used will be paid back.
2. What restrictions exist on how I use the money I borrow?
Loans and lines of credit can be used for just about any reason. Do you want to make home improvements, pay your college tuition, or consolidate your debt? An equity loan or line of credit is a viable resource to consider when money is short. When considering these loans, ask yourself if you can afford these extra payments.
3. How do I find the best interest rate?
Shop around different financial services companies to determine where the lowest interest rates are offered. Ask questions to these companies. When looking at companies choose one that you feel comfortable doing business with. Look for places that do not charge application fees. Also, ask if there is a penalty for early payoff.
4. What is the term of the loan? Is it better to get a 5, 10, or 15 year term?
Before taking out a loan you will want to determine a financial strategy for the term of the loan. If you will be retiring soon, you may want a shorter term loan. The lower your monthly payments look to lengthen your loan term.
5. Are there any tax advantages to borrowing with a home equity loan?
Many great tax advantages to lines of credit and home equity loans exist currently in the market. Many times interest is tax deductible on your federal income tax. Plan a consultation with a tax advisor prior to applying for a loan to learn more about tax breaks available currently.
6. Is the loan application lengthy and how long before I get an answer?
A trend in lending is currently allowing consumers to apply for loans on the internet of over the phone. This process takes as little time as 10 minutes for the complete process. The results for the applications are delivered in a few hours. The final approval and evaluation process ranges from 5-10 days to complete by the lender. The final documents are checks are now sent through the mail. More and more this process can be done without ever leaving your couch.
Some closing thoughts when looking to complete any financial problems are to do your homework, shop around, use only the essential money you need, and budget wisely.
Tapping into your home equity to ease financial burdens can be a good idea. Do your homework. Shop around. Set up your budget. Use the money for what you need.
There is a lot of free information available to you about buying, selling, investing, or relocating in the Fremont real estate market. For complete information about the Fremont Ca real estate market including current Fremont homes for sale, property values, market conditions and more please visit the most complete website dedicated to everything Fremont real estate related. www.ClydeBrownHomes.com.
If you or someone you know are in need of a competent and experienced Fremont real estate agent in or near Fremont Ca, or have real estate or mortgage related questions, please feel free to contact me I will be more than glad to answer your questions. Call me at 800-839-0665 or email me at Clyde@ClydeBrownHomes.com. Clyde Brown Legacy Real Estate & Associates.
About the Author
Fremont Realtor
Legacy Real Estate
Derren Brown - Phone magic
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