My husband and I are considering getting a home equity loan to fix up our house a little bit. Our home was valued around ,000 when we bought it almost 2 years ago. It is completely paid off so we do not have a mortgage. How do I know how much equity my home has to borrow against?
Also, I’m a dunce when it comes to these kind of things. I am not sure that our credit history is awesome (although I know it’s not horrible- over the past few years we’ve probably had like 2 late credit card payments, and recently we accidentally exceeded our credit limit on our credit card, but I’ve never had problems with car payments, etc.) so will that affect it much? I’m confused about the whole situation.
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How do I know how much equity my home has?
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