Types Of Home Equity Loans

There are two broad types of home equity loans:

Term loans: Home equity loans of a fixed nature are also called second mortgages. For example, if you have bought a home for $10,000, and made a down payment of $1,000, and taken a mortgage for the rest and have managed to repay another $2,000, then you can apply for a home equity loan of $3,000. Term loans have a normally shorter tenor than first mortgages. Tax deductions can be claimed on interest repayments. It is a normal loan wherein you repay the loan in fixed installments over a period of time.

Lines of credit: A home equity line of credit loan is like a normal credit card wherein you have a line of credit extended to you and you can keep borrowing against it. To borrow from the earlier example, the line of credit that is available to you is $3,000. However, if you have borrowed only $1,500 and then repaid back $1,000, then the line of credit available to you is $2,500.

The difference between a line of credit and a term loan is that the interest rate is linked to the prime-lending rate of banks, due to which the payments may fluctuate over the period. Moreover, most lenders only advance a line of credit for 90% of the home equity. However, when the period of a line of credit expires, all outstanding dues must have been cleared.

Borrowers are often confused as to the nature of the home loan that needs to be undertaken. If the nature of the work is a one-off thing like remodeling the house, then a term loan can be taken. If it is a recurring necessity, such as putting a child through college, then a home equity line of credit becomes attractive.

Home Equity Loans - Rates, in depth articles and professional second mortgage advice. Find the lowest home equity loans rates and lenders.

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Home Equity Loans Can Provide Cash in a Hurry

Think About the Long Term. Estimate how long you expect... Read More

New Home Loan - Understand The Various Types Of Mortgage Lenders

So, you've decided to buy a house, and you're ready... Read More

Home Equity Lines of Credit Vs. Other Conventional Loans

When it comes to getting money, you have two basic... Read More

Bad Credit? With Poor Credit You Can Still Refinance Or Get A Home Equity Line Of Credit

Have you decided to refinance your home or apply for... Read More

Interest Only Home Loan ? Is It Right For You?

There are many benefits to interest-only mortgage loans. There are... Read More

A Guide to Getting Bad Credit Home Improvement Loans

You might be wanting to look into bad credit home... Read More

How To Get a Mortgage If Youre Self-Employed

If you are self-employed, work on a contract basis, or... Read More