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- Coping with Home Credit Cuts
- Lenders are increasingly slashing their borrowers' home equity credit lines without warning. That can sock your financial situation and hurt your credit score, making it tougher to get another loan. But you may be able to appeal if your home equity line gets trimmed back. Here's how... You may be...
- Articles 2009-03-09
- Home Equity: Can You Borrow Against Your Home?
- No more using your home as an ATM. And don't expect today's tight market for home-equity lines of credit HELOCs to loosen up until home prices start rising again. ...
- Articles 2009-07-07
- Can You Get Credit Now?
- Yes, lenders are starting to loosen up. But apply for a mortgage, refinancing, home-equity credit line, car loan, or credit card, and you'll quickly learn that the credit crunch isn't over.It's no secret that the Obama administration, the Fed, and Congress would love nothing more than to see banks start...
- Articles 2009-07-07
Additional Resources
- Washington Mutual Enhances Home Equity Line of Credit Product to Provide Greater Payment Flexibility; Allows Consumers to Make Interest Only Payments on a Fixed-Rate Loan Option
- SEATTLE -- In a move to provide greater payment flexibility to consumers, Washington Mutual (NYSE:WM) is introducing a new enhancement to its WaMu Equity PlusTM account. The new feature gives customers with a home equity line of credit the option to pay interest only on the fixed rate portion, rather...
- Research articles 2006-05-16
- Wells Fargo Sued for Cutting Off Home Equity Lines of Credit
- Got a home equity line of credit HELOC from Wells Fargo? Check again:Â it might have been cut off. Wells Fargo was sued for fraud today, as a class action lawsuit filed in the Northern District of Illinonis alleged that "Wells Fargo unlawfully failed to accurately assess the...
- Blog posts 2009-08-19
- U.S. Bank Rewards Customers with Home Equity Line That Increases in Value and Honors Loyalty
- MINNEAPOLIS -- U.S. Bancorp (NYSE:USB) U.S. Bank is rewarding customers for creating long-term relationships with the bank by introducing a home equity line of credit that increases in value and is portable so customers don't lose that value if they move or refinance their mortgage. "The U.S. Bank...
- Research articles 2004-10-21
- How Large A Line Of Credit Can I Obtain?
- To calculate the maximum home equity line of credit you can obtain, find the maximum Combined Loan-To-Value CLTV ratio the lender will consider. Loans are the sum of the amount of the proposed credit line plus the balance of any outstanding mortgage debt. Value is usually appraisal value, which is...
- Tools & templates 2008-01-01
- Revised Brochure On Home Equity Lines Of Credit - from Federal Reserve Board - Brief Article
- The Federal Reserve Board on March 22, 2001, announced that it has revised its brochure When Your Home Is on the Line: What You Should Know about Home Equity Lines of Credit.
- Research articles 2001-05-01
- Home Equity Loans Vs. Lines Of Credit.
- Should you get a home equity loan or a home equity line of credit, known as a HELOC? With a home equity loan, you get a lump sum. A HELOC provides you a revolving credit line, much like a credit card. This tool will help you determine whether a home...
- Tools & templates 2009-01-01
- Piggyback Loans Let You Tap Your Home Equity When Buying
- Homebuyers can use a second mortgage or line of credit to help with a down payment, or to finance other needs and wants. A "Piggyback" loan is usually defined as any type of second loan that's closed at the same time as your first mortgage. The piggyback may be a...
- White papers 2007-09-11
- Identity Theft Can Drain Your Home Equity Credit Line So Check Accounts Regularly, Says ITAC
- Mortgage Fraud is Low Risk, High-Yield Criminal Activity According to FBI 2007 Mortgage Fraud Report WASHINGTON -- ITAC, the Identity Theft Assistance Center, warns consumers to regularly check their Home Equity Lines of Credit HELOC accounts, following release of a Federal Bureau of Investigation FBI report indicating an increase...
- Research articles 2008-07-03
- Credit Card Debt? Don't Tap Your Home Equity to Pay it Off
- Some financial advice isn't timeless. Consider a pitch I recently received from a trusted source. The organization recommended people pay off their credit card debt with a home equity line of credit. A few years ago, mortgage brokers and even some financial advisors argued this was a smart move....
- Blog posts 2009-08-10
- 3 Mistakes to Avoid When Applying for a Home Equity Loan by Informa Research Services
- CALABASAS, Calif. -- A home equity loan can be a great resource to homeowners who need some extra money to do a renovation project, pay for college tuition, or even make a large purchase (https://www.informars.com/equifax/). However, there are three mistakes that you as a homeowner might make that, if avoided,...
- Research articles 2007-09-10
- Affinity Technology Group Launches Home Equity Products
- Business Editors COLUMBIA, S.C.--BUSINESS WIRE--May 2, 2000 "Products Deliver Immediate Decisions to Consumers in Real-Time" Affinity Technology Group, Inc. (Nasdaq: AFFI) today launched its Home Equity and Home Equity Line of Credit automated lending products. Both products are designed for implementation in either an Internet or traditional...
- Research articles 2000-05-02
- Credit Quandary - How Much Credit Should Creditors Give You?
- Karen King owes $36,000. According to the Wall Street Journal, The amount of credit card debt King is carrying is more than she has ever earned in a year. "Years ago, I lived for now. It was so stupid," the 28-year-old says. "It's depressing, but I can't live that...
- Blog posts 2009-10-13
- American Eagle Federal Credit Union Reports Strong Mid-Year Performance
- EAST HARTFORD, Conn. -- American Eagle Federal Credit Union reported strong mid-year financial performance for the period January through June 2008. The state's largest credit union had assets of $1.04 billion and net income of $3 million. Loan balances were up $25.3 million year-to-date from growth in Mortgage, Home...
- Research articles 2008-08-14
- As if losing your home isn't enough, you could get stuck with a big tax bill
- Ordinarily, the tax code provides lots of rewards for homeowners. Your mortgage interest is deductible, which reduces your tax bill. Interest on a home equity line of credit is also deductible; it reduces the cost of borrowing against your home to put in granite countertops. And if you've lived in...
- Research articles 2007-09-25
- Ordinarily, the tax code provides lots of rewards for homeowners
- Ordinarily, the tax code provides lots of rewards for homeowners. Your mortgage interest is deductible, which reduces your tax bill. Interest on a home equity line of credit is also deductible; it reduces the cost of borrowing against your home to put in granite countertops. And if you've lived in...
- Research articles 2007-10-15
- For Most Borrowers, the Rate Hike Hits Home Gently - increase in interest rates should not be painful to most borrowers - Brief Article
- Depending on what kind of debt you have, you might not even notice the pinch. Now that the Federal Reserve's hike in the federal funds rate has worked its way into the system, what does that extra quarter of a point really mean to you? For borrowers, loans...
- Research articles 1999-09-01
- SCORE Aids Entrepreneur In The Business Of Caring
- Josie Cruz Garcia is not unlike the millions of other immigrants who have come to the United States in search of a better life. She has remained focused on a higher goal - serving others who are less fortunate or unable to fully help themselves. Josie was presented with the...
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