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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Is a Cash Out Refinance a Smart Thing to Do?
Categories: Debt Management, Mortgage
Today we are going to discuss whether or not a cash out refinance is a smart thing to do. To clarify, a cash out refinance is a way to use the equity in your home to get the money you need. It can be a smart move, however, you need to understand how it works. […]
What Credit Score Do I Need for a Cash Out Refinance?
Categories: Credit Resources, Refinance
Today we are going to discuss what credit score you should have for a cash out refinance. What is a Cash Out Refinance?A cash out refinance lets you replace your current mortgage with a new one. The new loan is for more than you owe on your house and you get the difference in cash. […]
What Credit Score Do You Need for a HELOC?
Categories: Credit Resources, Credit Tips, HELOC
Today we are going to discuss what credit score you need for a HELOC. To clarify, getting a Home Equity Line of Credit (HELOC) can help you tap into your home’s value. But what credit score do you need? Let’s break it down! Understanding HELOC A HELOC is like a credit card. However, instead of […]
Are Second Mortgages Riskier Than First Mortgages?
Categories: Debt Management, Mortgage
Today we are going to discuss whether or not second mortgages are riskier than first mortgages. Understanding Mortgages First and Foremost, What is a First Mortgage? A first mortgage is the original loan that is taken out in order to buy a property. It’s the primary loan on the house. However, if you don’t pay, […]
What is the Difference Between a First and Second Mortgage?
Categories: Debt Management, Mortgage
Today we are going to discuss what the difference is between a first and second mortgage. Let’s break down too not only show what they are, but more importantly how they differ. First and foremost, What is a First Mortgage? To clarify, a first mortgage is the primary loan you take out to buy a […]