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Mortgages - Home Loans	WHAT IS A MORTGAGE? Most home buyers have to borrow money in order to purchase their home. Few have enough money sitting in the bank, or in other easily saleable assets, to pay the entire cost of the home at once. (Even those few who do have enough money usually find it financially advantageous – perhaps for extra tax relief -- to borrow some of the money.) The home loan they receive is called a "mortgage." Generally, a mortgage is a loan of money to the home owner secured by a "lien" on the real estate. There are basically three types of mortgages that you can select among when purchasing or refinancing a home: Fixed Rate Mortgages Adjustable Rate Mortgages Balloon Mortgages Another type of mortgage - a "home equity loan" - is typically used by homeowners to borrow some of the equity they have built up in their homes. They usually involve a "floating" or adjustable rate of interest and are amortized over a period of years. Click on the banner below

Home Equity Home Equity Loans Home Equity Line of Credit	The current market value of a home minus the outstanding mortgage balance. Home equity is essentially the amount of ownership that has been built up by the holder of the mortgage through payments and appreciation. Typically, residential property is bought through a mortgage, which is then paid off over a number of years, often 15 or 30. After the mortgage has been fully repaid, the property then belongs to the mortgagor, namely the buyer. In the interim, however, the buyer simply builds up equity in the home. This is what a home equity loan borrows against. Although that equity cannot be sold, banks will lend money against it. Home equity loans offer significant tax savings due to the fact that the interest paid on a home equity loan is tax-deductible. Home equity loans are often used to consolidate other debt with high interest rates (like credit card debt), to finance large expenses (such as college or a wedding), or to purchase other costly items. There are two main types of home equity loans. The first type is the traditional home equity loan, also known as the second mortgage, which lends out a lump sum of money that must be repaid over a fixed period. The second type is the home equity line of credit, which provides the borrower with a checkbook or a credit card that is used to borrow funds against the home equity. Funds borrowed from a traditional home equity loan start accruing interest immediately after the lump sum is disbursed; funds borrowed from a home equity line of credit do not begin accruing interest until a purchase is made against the equity. Apply Online today - Click Here

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