Posts Tagged ‘home improvements’
Tuesday, August 24th, 2010
Ok me and my wife just recently applied for a home equity loan but got denied. We need an equity loan for home improvements. Our credit is great, and our home is completely payed off, the reason why we got denied was because of our debt ratio which was the cause of our credit cards and personal loan which we were never late on, we just had to much open. We now just payed off EVERYTHING we owe including the six credit cards and the one personal loan.
My question is do we have to wait a certain amount of time to reapply or can we just apply again now? We really need to do some home repairs as well as make it look nice 
Also should we close all six card accounts?
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Posted in Home Equity Loan | No Comments »
Tuesday, August 24th, 2010
I purchased my first home in Oct 2009 and the equity value is 100k more. I was pre approved for a home equity loan without asking from PNC for 75k. Of course I wouldn’t want that much but I was thinking about instead of saving 0 a month for home repairs that cost over ,000, I could just get this line of credit for 10k and pay monthly payment. I want a fixed rate, but don’t understand the terminology to getting this loan. (i.e., prime rate, apr, LTV or LVT or something like that) etc. Anyone ever had a problem with a bank when getting this type of loan. And/or do you think its good idea.
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Tags: adjustable rate mortgage, agency chief, bankruptcy exemptions, calvin klein men, equity base, equity value, fixed rate, fixed rate mortgages, flu shots, gretsch guitars, home equity lines, home equity lines of credit, Home Equity Loan, home improvements, home repairs, india real estate, ltv, lvt, pnc, prime rate, refinancing a home, student loan consolidation, vital statistics agency, white falcon, windsor castle
Posted in fixed rate equity loan | No Comments »
Friday, May 14th, 2010
My grandparents are giving us their 2nd residence home. No money owed on it, title will be ours next week. Here’s my question: we want to pay off some debt & do home improvements, but I am concerned about the seasoning clause. What banks/lenders offer home equity loans without a seasoning clause? Since there is no purchase amount, will they go by the appraised value in this case? Thanks in advance.
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Posted in Home Equity Loan | 7 Comments »
Thursday, February 11th, 2010
My husband and I have had our house since June of 2008. We need to relocate and worry about selling our first house.
Question #1—How do capital gains work? Our purchase price was ,000. Which, was a seemed like a steal (2 acres, 3 outbuildings, 3-4 bedroom farmhouse). Since we’ve bought it we’ve put ,000-,000 in it. I’ve figured I need about 5,000 to break even (home equity loan, pay off original mortgage, and home improvements). I won’t be upset if I make a profit, but will try to make one none the less. I plan to list at 5,000. If I make a profit how much am I looking at in taxes? Is this going to be a big hit?
Question #2—Everyone tells us we should check out the USDA Rural Development Loan. I’ve been on the government website and my husband and I qualify financially. Also, according to the map it looks like the area qualifies too. Is it that easy? Is this only for first time home buyers? We had help purchasing our first home from some inheritance. I worry that the money won’t be there this time; especially since there’s no telling when we’ll sell our first house. What are the benefits to this USDA loan? Their website won’t tell me anything! Anyone have any personal insight?
Thanks!
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Tags: bedroom farmhouse, capital gain tax, capital gains, farmhouse kitchen, first house, first time home, first time home buyers, government website, Home Equity Loan, home improvements, inheritance, jersey mortgage, map, money, no load mutual funds, original mortgage, personal insight, rocking chairs, self employed tax, tax write offs, term profit, time home buyers, usda loan, usda rural development, usda rural development loan
Posted in no equity home loan | 1 Comment »
Saturday, November 28th, 2009
You can use a home equity loan for a lot of different things. Many people will use one when they want to make improvements to their house. This type of loan works well because it comes with a lower rate of interest than a typical home improvement loan.
Find Free: Home Equity Loan
Talk to your bank and get home equity rates from them to see what it will cost you to get this type of loan. You then can compare the rates to ones on the open market. The better the rate that you get is the less money you will spending paying it back.
You Can: Find a Loan
You need to get your house appraised to see if there is enough equity to borrow against. the equity will be the amount your home has appraised above the amount that is still owed. the longer that you have owned your house the more likely it is that the value has gone up and you can borrow against it.
It can be exciting to make home improvements but they do come at a cost. You need to determine what is the best way to pay for these improvements and in most cases it is with a home equity loan. They are easy to get because your home acts as collateral.
Remember that comparing interest rate prices is key to saving money when paying back a home equity loan. You lender is the first place that you want to start so that when you look on the open market you have something to compare it to.
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Tags: bells, book publishing, cash advance, collateral, collateral benefits, different things, dump truck, home acts, Home Equity Loan, home equity rates, home equity rates from, home improvement loan, home improvements, interest rate, panda, rantings, rate of interest, saving money, search engine optimization, seo, stock broker
Posted in Home Equity Loan | No Comments »
Thursday, November 12th, 2009
What happens to Wachington Mutual home equity credit lines? Do they stay open? Can I still draw on it.
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Tags: article directory, bad credit finance, bad credit loan, best home equity loan rates, blog archive, credit score, equity credit lines, equity line, finance advisor, finance car, free insurance, health record, home equity credit, Home Equity Loan, home equity loan rates, home improvements, how does a home equity loan work, insurance, vault, verichip, what is home equity loan
Posted in home equity line of credit | 1 Comment »
Thursday, November 12th, 2009
My husband and I bought our home 10 years ago for 0,000. It is currently valued at 0,000, and we have payed our mortgage down to 0,000. We also have excellent credit. We would like to take some money out to do home improvements and to help pay for our son’s tuition. We would like to take out about 30 to 40 thousand dollars. Do we have enough equity in our house to do this? Also, can we get a home equity loan that only requires us to pay interest on the loan while we are living in the house and pay the loan back when we sell the house. We are planning on selling the house in 5 to 7 years. Finally, can anyone suggest a good lender?
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Tags: 10 years, bad credit mortgage, british soldier, economic times, Home Equity Loan, home equity mortgage, home improvement contractor, home improvements, interest on the loan, loan financing, loans bad credit, money, mortgage, mortgage corp, murphi, payday loan consolidation, payday loans, salt lake city, salt lake city home, sect member, sentencing law and policy, texas jury, thousand dollars, unsecured loans
Posted in Home Equity Loan | No Comments »
Friday, November 6th, 2009
They have never lived here. I am the only occupant who has ever lived here for almost 10 years. Is there any way of transferring ownership to me without raising red flags or getting murdered by taxes? I want to be able to get a home equity loan to purchase the property, do some home improvements and debt consolidations but it needs to be in my name. Any suggestions??
Tags: 10 years, debt consolidations, Home Equity Loan, home improvements, occupant, red flags
Posted in best home equity loans | No Comments »
Thursday, November 5th, 2009
My parents recently divorced & their house is paid for…& they both agree to take their names off of the title of the house so that i can have my name on the deed. Can i immediately get a home equity loan to make improvements? I would also pay my my mother for her part of owning the home and my father is willing to give me his part of the house. We recently had the house appraised, and it was appraised at about ,000
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Posted in no equity home loan | 1 Comment »
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