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	Home equity lines of credit are incredibly cheap, costing most borrowers 5% or less
	If you qualify, HELOCs are the cheapest consumer loans ...

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HOME EQUITY FEATURES

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FEATURED STORIES

	How low can home prices go? They'll fall another 15% to 20% in 2009, according to a rough consensus of economists and real estate experts.
	How to retire without a mortgage Sell your home and use the equity to pay for a new place to live in a more affordable part of the country.
	3 ways to pay your mortgage faster Despite all the ads, you don't need an accelerated payment plan from a mortgage service company to speed up your payoff.
	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.
	10 smart, low-cost home improvements They'll make your home more comfortable and appealing for less than $2,000 -- a lot less in most cases.
	How to cut your cost of living We've got dozens of surprising ways to save a few bucks a week or hundreds of dollars a month.

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THE LATEST NEWS

	Older job seekers struggle to overcome age WASHINGTON - Like many unemployed older workers, 64-year old Allan Kellum fears his age has made it harder to find a new job.
	Home equity rates rise in latest survey The average rate for a line of credit rose to 5.71% while the cost of a traditional home equity loan edged up to 8.47%.
	Property values rise in Silicon Valley Jul. 1--Property values in Santa Clara County have actually managed to rise this year -- bucking, if barely, worst-case scenarios that predicted one of the largest drops since the Great Depression -- according to the final review of county tax rolls released Wednesday.
	Refinancing aid expands to more borrowers WASHINGTON -- The government will allow more distressed borrowers who owe more than their homes are worth to be eligible for refinancing assistance under an Obama administration housing rescue program.
	Senator urges reverse mortgage reforms Jun. 30--UNIVERSITY CITY -- Poor oversight of the fast-growing reverse mortgage industry leaves older people vulnerable to scams and could burden taxpayers, U.S. Sen. Claire McCaskill said Monday at a hearing on the federally insured loans.
	Property taxes fall in Silicon Valley Jun. 26--Your home equity has sunk and your mortgage is underwater.

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LATEST TIPS

	Lower the payments on your student loans The government's new income-based repayment plan could shave lots of dollars off your payment.
	Condo associations can foreclose, too If you fall far enough behind on your fees or assessments, your condo board can file a lien against your property and force you out.
	Second home sales fell 30.8% in 2008 Buyers moved away from vacation and investment properties in midst of recession.
	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.
	Boats, RVs, travel trailers a tax break If you borrowed the money to buy one, you may be able to deduct the interest from your taxes, just like you do for a house.
	Don't intentionally default for a cheaper loan Falling behind on your mortgage doesn't mean you'll qualify for a foreclosure prevention program that might lower your monthly payments.

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HOME EQUITY CALCULATORS

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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

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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

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Q.	How much will I save by making two half-payments on my mortgage a month?

Q.	Is it hard to get your name removed from a jointly held mortgage?

Q.	Should we refinance two mortgages into a single loan?

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National home equity rates

7/4/2009 10:05:58 PM

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