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	Home equity lines of credit are still a good choice for college bills
	Here's how to cover tuition and living expenses this fall. ...

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HOME EQUITY FEATURES

News & advice

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Tips

FEATURED STORIES

	Home equity rates are suprisingly low The average rate for a home equity line of credit is at a four-year low, but it shouldn't get much cheaper.
	The 7 biggest remodeling mistakes There's no way to guarantee a hassle-free project. But make avoiding these blunders will save you money and aggravation.
	It's time to challenge your assessment If you live in a city where prices have fallen 10% or more, your property tax bill could be thousands of dollars too high.
	How to lower your heating costs this winter These 7 smart moves could save you a bundle with heating oil and utility bills expected to be anywhere from 30% to 100% higher.
	4 sneaky changes that cut your coverage Insurers are rewriting homeowners policies to limit their liability and reduce what they pay on claims.
	What to do with a hard-to-sell home Our guides will help with everything from finding the right price and boosting its curb appeal to renting it out.

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NECESSARY MUST DOS

	Take advantage of energy rebates Many states will reward you for making your home more energy efficient, even if you're just replacing a washing machine.
	Go for a vacation home They can still be good investments, but high gas prices and insurance premiums could affect where you buy.
	Invite a friend to critique your home If it's not selling, you need an honest appraisal of what could be improved with a few bucks and a little effort.
	Know what to expect from your loan Surveys suggest that many homeowners don't know if they have a fixed- or adjustable-rate mortgage or when their ARM will reset.
	Use home equity wisely Every financial expert we know says home improvements are the best way to use a home equity line of credit.
	Be realistic about your home's value Too many sellers are refusing to accept the fact that their homes aren't worth as much as they were just a few years ago.

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LATEST TIPS

	Here's where homeowners have lost the most equity The average family in these 10 cities lost half of their equity in just a year, wiping out much of their personal wealth.
	Here's where homeowners retain the most equity In cities where prices didn't soar in the early 2000s, families still own 60% or more of the equity in their home.
	Wachovia helps customers bail on option ARMs It's waiving all prepayment penalties for borrowers who want to sell or refinance into more traditional mortgages.
	Are extra mortgage payments wise? Here's a simple formula to decide whether it's smarter to send extra money to your lender or save it for retirement.
	Don't obsess over online appraisals We understand your anxiety about falling home prices, but Web sites like Zillow can be way, way off.
	Foreclosure cuts nearby home values by 1% Two foreclosures within a quarter-mile of your home will lower its value by 2%, according to one, widely cited study.

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HOME EQUITY CALCULATORS

Calculators

Work sheets

MOST POPULAR

Home equity calculator
Figure out what the payments will be for any home equity loan or line of credit.

How much can you borrow?
The size of your credit line is determined by the value of your home and how much you owe on it.

Payoff your line of credit
Create a monthly plan that fits your budget.

Debt consolidation calculator
Determine how much you can save by consolidating bills into a home equity loan.

Should you refinance?
That depends on how much you'd save with a new mortgage.

How much must you earn?
Determine the minimum income you'll need for the mortgage you want.

Accelerated mortgage payoff
Save thousands of dollars in interest by adding a little to your monthly mortgage payment.

Cut costs with a cash-out refi
How much could you save by consolidating auto and credit card debt into a new mortgage?

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WORK SHEETS

	How much equity do you have? It's the value of your home minus the balance on your mortgage.

	9 steps to cancel PMI Our checklist can show you when, and how, to stop paying private mortgage insurance.

	Find the best home equity loan This work sheet allows you to make side-by-side comparisons of rates, fees and terms.

	12 refinancing questions What to ask potential lenders when you need a new mortgage.

	Questions to ask about homeowners insurance The answers will help you get the right coverage and the best possible price.

	Create a budget Manage your money more effectively with our easy-to-use work sheets.

	Build an emergency fund Figure out how big your financial cushion should be.

	Dealing with debt Take a comprehensive look at all your bills and develop a plan to pay them off.

DASHBOARDS - TODAYS RATES AND TRENDS

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HOME EQUITY REPORTS

FEATURED

Consolidate your debt

How to consolidate your debt

Home equity basics

A step by step guide

Find home equity rates in your area

Which home equity loan is right for you?

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HOME EQUITY Q&A

FEATURED

Q.	Is $50,000 too much to spend on a kitchen renovation?

Q.	Should I pay off my house early or invest the money?

Q.	Can I buy another house if my name remains on the mortgage of my ex-wife's home?

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8/20/2008 5:40:36 PM

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