Our Smart With Debt blog guides you on how to live the life you desire with your own money, not borrowed from banks or lenders. We strive to support those who are serious about managing their debt and discovering ways to leverage it for financial gain.
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HELOC or Fixed-Rate Home Equity Loan?
Categories: Debt Management, Financial Terms, HELOC, Mortgage
Are you considering tapping into your home’s equity? You might be wondering about your options. Two popular choices are a Home Equity Line of Credit (HELOC) and a Fixed-Rate Home Equity Loan. So, what’s the difference between them? In this article, we will explore the key distinctions between a HELOC and a Fixed-Rate Home Equity […]
Who Has the Best HELOC Rates and Terms?
Categories: Debt Management, HELOC
Today we are going to discuss who has the best HELOC rates and Terms. First and foremost, what is a HELOC?A Home Equity Line of Credit (HELOC) is like a credit card that uses your home as collateral. You can not only borrow money when you need it, but you can also pay it back […]
What Can I Use a HELOC For?
Categories: Debt Management, HELOC
Today we will be discussing what you can use a HELOC for. First and foremost, What is a HELOC? A HELOC (Home Equity Line of Credit) is like a credit card, but it’s backed by your home. You can borrow money as needed and only pay interest on what you borrow. It’s a flexible way to […]
Can a HELOC Be a First Mortgage?
Categories: Debt Management, HELOC, Mortgage
Today we are going to discuss is a HELOC can be a first mortgage. To clarify a HELOC, or Home Equity Line of Credit, is a loan where your home acts as collateral. You can borrow money as needed, up to a certain limit, and it works like a credit card. Can a HELOC Be a […]
Lower payments without a cash out refinance!
Categories: Debt Management, Mortgage
Today we are going to discuss how you can lower you payments without a cash out refinance. Most importantly, lowering your mortgage payments can save you money each month. In addition, you don’t always need a cash-out refinance in order to make this happen. Here are some ways to reduce your payments without the hassle […]