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Debt Consolidation Home Equity Loans

Debt consolidation home equity loans are the primary reason people refinance. Debt consolidation home equity loans are becoming popular due to the increases in minimum payment amounts required by credit card companies. In many areas, property values have substantially appreciated in value, and many of my clients decide to use the "dead equity" to consolidate their payments. Of course, your debt consolidation home equity loans payment may be tax deductible and your credit card payments are not. I offer many debt consolidation home equity loans to unlock the equity in your home and reduce your payments. Before you make any decision on a mortgage, a Debt Consolidation Home Equity Loans Certified Mortgage Planning Specialist can do a detailed analysis so you know you are making the right choice based on your specific circumstances. I now offer a free Debt Consolidation Home Equity Loan Analysis which can give you the information you need to make an informed decision.

Debt Consolidation Home Mortgage Loans Refinance

In a debt consolidation refinance, add the existing home mortgage balance together with the bills to be consolidated to determine your new loan amount. An appraiser determines the value of your property to determine your Loan to Value.  I have debt consolidation home mortgage loans allowing you to borrow 80, 90, or even 100% of the value of the home. If your ratios are high, I can consolidate your bills at closing eliminating the problem. When we consolidate your debts at closing, the debts are paid out of your proceeds so those debts are not calculated in the ratios. Of course, you may choose a fixed rate, ARM, or even an option arm are as your new loan type. Interest only loan payments are available and can reduce your payments significantly.

Debt Consolidation Home Equity Loans Second Trust

A Debt Consolidation Home Equity Loans second trust or Home Equity Line of Credit (HELOC) is useful if you have a low rate first mortgage that you want to keep but want to use some of your equity to consolidate your debt payments. 

Second Trust programs include:

1) A debt consolidation second trust allows up to 100% LTV. Rates increase slightly at LTVs higher than 80% but may still reduce your monthly payments.

2) A 125% home equity loan allows up to 125% of the appraised value of your home. Even if you have little equity, this program allows you to consolidate your debts.

3) We offer several programs for borrowers with non traditional income or asset situations. Visit my No Documentation loans page.

Learn more about debt consolidation home equity loans closing costs.

I also offer a debt consolidation calculator which should be useful.

I have a page on mortgage documentation requirements

Learn more about improving your credit scores

* I have included a section on the new Cash Flow ARMS. A LIBOR or MTA based product which gives you complete flexibility in managing your finances.

As a Certified Mortgage Planning Specialist, I offer an analysis of your situation today can make suggestions on how small changes in how your finances are structured today can have a life changing effect in the years to come.  Read more about this free, no obligation service.

Debt Consolidation Home Equity Loans Prequalify for your Debt Consolidation Home Equity Loans

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