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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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 […]
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. […]