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2nd Mortgage Home Equity Loans

If you are trying to get the best possible rate on 2nd mortgage home equity loans, it's a good idea to learn as much as you can about the process. You have probably seen countless websites that promise to provide you with a list of lenders that offer the best rates in your area. Many of these sites do nothing more than provide a listing of interest rates for national lenders.

A quality mortgage referral website will make it a priority to inform and educate a customer whenever and wherever possible. In the end, these quality websites want you to find the best possible terms for your 2nd mortgage home equity loans. Cultivating relationships with the top lenders, in the business of providing customers with the ideal combination of low rates and ethical business practices, allow consumers to find a good rate at the lowest cost possible in a more time efficient manner.

What to Look for in 2nd Mortgage Home Equity Loans

If you are not sure how 2nd mortgage loans work, they are designed to allow you to borrow against the equity in your home. The equity in your home is the difference between the fair market value of your home and the amount you still owe on the mortgage. Since homes typically appreciate in value over the years, you may have more equity in your home than you realized.

When evaluating 2nd mortgage home equity loans, it's important to consider more than just the interest rate. You will also want to find out what the APR is for your loan. APR, or annual percentage rate, is a measure of the costs associated with the credit, including interest rate, points, and finance charges.

Kevin Benner is the owner of 4mortgageratequotes.com an online financial information site helping consumers with 2nd mortgage home equity loans as well as other second mortgage and mortgage refinance issues.

Improve Gas Mileage Without Damaging Your Car

Many of the gas saving devices being advertised do not work
and can actually damage your vehicle.

After evaluating and testing more than 100 alleged gas-
saving devices, the Environmental Protection Agency has
found only a few that improve mileage and none that do so
significantly.

The gas-saving products on the market seem to fall into
clearly defined categories. These include, but are not
limited to: air-bleed devices, vapor-bleed devices, liquid
injection devices, ignition devices, fuel line devices,
mixture enhancers, internal engine modification devices,
fuels and fuel additives, oils and oil additives, and
driving habit modifiers.

The EPA evaluates or tests products to determine whether
their use will result in any measurable improvement to fuel
economy. However, the EPA cannot say what effect gas-saving
products will have on a vehicle over a long period of time.
It is possible that some products may harm the car or
adversely affect its performance.

For example, if an "air bleed" device actually adds
significant amounts of air to the air-and-fuel mixture, it
may cause an engine to misfire, a condition which greatly
increases the potential engine damage or mechanical failure.
This is especially likely to happen on cars manufactured
between 1974 and 1982, because their carburetors are pre-set
for a maximum amount of air to be burned with the fuel.
"Air-bleed" devices will not work at all on many cars
manufactured after 1982, because these cars have "feedback"
carburetors that automatically adjust the air-and-fuel
mixture rendering the device useless.

Many ads feature glowing testimonials by satisfied
customers. There are too many variables that affect fuel
consumption, such as traffic, road and weather conditions,
the car's condition and overall maintenance, and the driving
habits of the owner.

In one case a consumer sent a letter to a company praising
its gas-saving product. But what was not mentioned in the
advertisement was the fact that the consumers vehicle also
had an engine tune-up at the time the device was installed.

Some advertisers claim that the gas-saving device is
approved by the Federal government. No government agency
endorses gas-saving products for cars. The seller can only
state that the item has been tested by the EPA. If the
advertiser claims that the product has been tested by the
EPA ask to see the results or contact the EPA directly.

If you have already purchased a gas-saving product and you
are not satisfied, contact the manufacturer and ask for a
refund. An honest company offers a money-back guarantee.
If you are not satisfied with the company's response,
contact your local or state consumer protection agency or
the Better Business Bureau.

Keeping your car in tip top condition is the best way to get
the best gas mileage your vehicle has to offer. Every
vehicle come with an owners manual. Read and follow what
the manufacturer recommends.

Three simple steps that will help improve gas mileage in all
vehicles:

Getting a tune-up.

Checking tire pressure.

Removing any excess weight from the car's trunk.

For over 20 more tips and one secret hint go to
http://www.apluswriting.net/gasmiles/gasmiles.htm

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Author: Marilyn Pokorney
Freelance writer of science, nature, animals and the environment. Also loves crafts, gardening, and reading.
Website: http://www.apluswriting.net

Home Mortgage Refinancing - Knowing the Secrets

If you're planning to refinance your home mortgage loan, below are some important things which you need to consider in order to make sure it will not cause any problems in the future:

* Find out the terms of your original home mortgage loan

Before looking for a suitable home mortgage refinance, make sure that your original home mortgage loan does not have pre-payment penalties or any kind of early payoff penalty.

Many people do not know when they refinance their home mortgage loan, they maybe be charged for a pre-payment penalty. These penalties can range from six months up to three years, plus another penalty for early payoff.

So in order to justify a home mortgage refinance, you need to have significant interest savings.

* Access different lenders options

Apply for pre-approvals to several different lenders in order to ensure you're getting the lowest rate in the market. However, make sure that the lender is not pulling out your credit history during an initial pre-approval application. This is because if your credit history has too many inquiries, this may prevent you from refinancing your mortgage loan with a low rate.

In addition, assess different lender offers concerning interest rate offerings and closing costs. This will largely affect your lender choice. Choose a lender with feasible rates to maximize your home mortgage refinance benefits.

* Choose the best lender

After comparing different lenders, you can then allow your choice of lender to pull your credit history. Then, make sure to get the interest rates and closing costs into writing and also get a quotation in advance of all possible costs involved with your new home mortgage loan.

Finally, remember to ask for information whether the new home mortgage loan you will be getting has any pre-payment penalties. Most lenders leave this important information out, knowing they might scare consumers away.

In considering a home mortgage refinance, make sure you search around and assess different lending options. Do not jump on the first opportunity that comes before you. Be a smart consumer and refinance your home mortgage loan with the lowest rate possible.

Get one of the lowest Home Mortgage Refinance Provider you can find on the internet here. Visit Home Mortgage Refinance or Home Mortgage Refinancing now.

Home Equity Loans - How To Use Your Home's Equity to Consolidate Debt

If you've got a wallet full of credit cards, and monthly payments on them that total more than 25% of your monthly income, chances are that you've considered debt consolidation loans or some other means of taming your credit card debt. But did you know that a home equity loan is another way to get the money that you need to pay off your creditors, reduce your monthly payments, and get out from under the weight of all those monthly payments?

A home equity loan is essentially a second mortgage taken out with your house as the collateral. Because the loan is secured, you'll have a much more favorable interest rate. And those lower rates will translate to a lower monthly payment overall. You'll wind up with one creditor, one monthly payment, and more money in your pocket each month.

There are some definite advantages to taking out a home equity loan or line of credit to get out of debt, and one very big danger. By trading your unsecured loans (your credit card debts) for a secured loan, you are putting your house on the line. Why? Because if you don't make the payments, the lender has the right to take your home from you and sell it in order to collect on the loan. But if you've got at least 20% equity in your house, and are certain that you'll be able to meet the monthly payments, then taking out a home equity loan to pay off your debts may be a good choice for you.

Once you've decided that a home equity loan is an acceptable risk for you, you'll have a few other decisions to make.

All home equity loans are not created equal! There are two types of loans, and you'll need to decide which one is right for you.

A flat home equity loan is a standard loan for a fixed amount. The amount will be limited by the amount of equity you've invested in your house. If you use up the entire amount of your loan and need more money, you'll have to apply for another loan.

A home equity line-of-credit is usually the better choice. With this type of loan, you will be able to write 'checks' against the amount of the line-of-credit, which may be as much as 125% of the value of your home. For example, if you obtain a $10,000 line of credit secured by the equity in your home, and use $2,000 of it to pay off an outstanding credit card balance, you've essentially only borrowed $2,000, and that's the amount on which you'll pay interest.

When looking for your loan, it's essential that you shop around--not only for the best interest rates and terms, but for a company that you can trust. Ask for referrals from your bank, friends and coworkers. In addition, you can check them out on the Internet.

You will need to determine the value of your home so will know how much money you will able to borrow against it. It's a good idea to get a current appraisal of your home, and always smart to have it appraised by several different companies.

Finally, in order for you to get the most out of your home equity loan, you will need to choose the lender that offers you the best interest rates. Remember that fees and other charges can vary widely from company to company, so make sure you do some comparisons.

Once you've been approved, you can use all or part of your home equity loan to pay off your current unsecured debt. Keep in mind that you'll only STAY out of debt if you avoid the temptation to run those credit card balances up again!

To view our most recommended home equity lenders visit this page: Recommended Home
Equity Lenders

Carrie Reeder is the owner of ABC Loan Guide, an informational website about various types of loans. The site has informative articles and the latest finance news.

Play it Safe - What to Do When You Need to Save on the Cost of Motoring

The cost of motoring is rising on a daily basis, yet the oil companies seem to be making ever bigger profits. As you have probably been aware there is an ever growing trend towards the greener and more economical way of using water to help you power your car, this is done by building a hydrogen fuel cell.

By building this fuel cell and incorporating it into your engine you may be able to save up to 40% on the running costs of your car. If you spend $50 per week on gas over a year you could save $1040. On top of this the increase efficiency of your engine will mean your car will have a more prolonged life so you will also save money on not having to replace it so often!

If you combine HH0 technology with the following driving techniques the economy on fuel could be even greater meaning you could half your costs or more on the annual cost of motoring. That is something I'm sure we would all like to benefit from.

My recommendations are as follows

Convert to HH0 Technology

Clean out your car - A lighter car uses less fuel

Remove the roof rack - Unless you need it on a regular basis remove the roof rack to make your car more streamline and energy efficient

Check the tyre pressure - Tyres that are below pressure cause drag and use more fuel

Air Con - Do you really need it - Using Air Con can use up to 8% of your fuel. Once the interior has reached a comfortable temp turn it off!

Don't fill up! - Only half fill your vehicle when you need fuel as the increased weight of a full engine will decrease the efficiency of the engine

Accelerate slowly and smoothly - Try to keep to under 3000 revs at all times to cut down on the wear and tear of the engine.

Drive in the correct gear - Make sure you are in the correct gear for the speed you are going the higher the better without straining the engine.

These are the all things that can help reduce the cost of motoring but for me the most effective by far is converting to running your car on water the technology of a hydrogen cell alongside a normal gas/diesel engine is extremely easy and cheap to install and the parts are easy to get hold of so there should be nothing stopping you form joining the HH0 revolution!

To find out more about how you can save money by running your car on water follow this link http://www.poweryourcarbywater.com

A Wells Fargo Home Equity Line Of Credit - What You Really Need To Know

Have you taken the opportunity to look closer at a Wells Fargo home equity line of credit recently? This revolving credit line that homeowners can tap into has some pretty good features. Here's a closer look at what Wells Fargo is doing.

A home equity line of credit is similar to a loan with the main difference being that you can take out funds at any time up to the total amount of the credit line.

This is better than a loan in many cases because you are only using what you need instead of taking out a big lump sum. Wells Fargo home equity lines of credit make it possible to only have to use your money when you really want to.

Naturally, what you use the money for is completely up to you. Many use it to pay off high interest debt, medical bills or a home improvement project to further increase the value of their home.

Wells Fargo offers a wide array of convenient options in gaining access to your funds. It can be through your checking account, ATM, Wells Fargo credit card, or simply by visiting your local branch bank.

This type of home equity line of credit being offered by Wells Fargo has a standard 10 year open credit period. After that time your repayment begins.

Funds that you take out of your HELOC may be paid back with small minimum payments or in some cases it can simply be an interest only payment.

Depending on the Wells Fargo plan and size of the credit line, payments can be stretched out for as long as 30 years after the credit period ends.

As with most home equity loans or lines of credit, interest rates are based on the Prime Lending Rate at the time of your loan. Since this is a line of credit, your rate will be variable, meaning it can go up or down. This is something to consider before taking out a HELOC.

A Wells Fargo home equity line of credit, like any other credit line, will have certain fees involved when signing up. These fees can include appraisal fees, loan fees and others as well. It really depends on the type of loan and your credit history.

If you are looking at setting up a home equity line of credit you will want to take a good look at what Wells Fargo has to offer.

By the way, you can learn more about a Wells Fargo Home Equity Line Of Credit as well as more information on everything to do with home equity loans by visiting http://www.HomeEquityLoansA-z.com

Mortgage Moans

If you're looking to get your foot on the property ladder, you may want to save for a while first. The recent credit crunch in the UK has led to mortgage lenders withdrawing many of their cheaper deals in an attempt to discourage all but the most affluent from taking out a mortgage.

Only one provider in the UK now offers a 100% mortgage to the general public, while the rest are reserving this deal for professionals or imposing other restrictions. The 100% mortgage was originally introduced to help first-time buyers with no savings to get on the property ladder. Now, without substantial savings, it's unlikely buyers will be able to get a low, affordable mortgage rate.

95% mortgages are also becoming scarcer. Realistically, if you have a deposit of less than 25% of the total cost of the home you wish to buy, you may want to put off your purchase until you can save more. For example, on a house costing 180,000 you'd need a deposit of 45,000 to get a good mortgage deal. If you have high savings, an offset mortgage may be the best deal - it will subtract your savings from the total amount, leaving the overall debt slightly lower.

It's also bad news for those wishing to sell their home. Because house prices have now fallen by 2.5 - 5% across the country, many homeowners are finding themselves sliding into negative equity - their mortgage debts are more than their house would sell for. The lack of affordable mortgages available to buyers also mean that many sellers are seeing initial interest only to have buyers walk away because they cannot get the necessary funds.

It's not all bad news though. There are still deals available which will allow you to pay off your mortgage at rates you can afford, or pay extra per month. Flexibility is more common as lenders find that 'one size fits all' doesn't apply to the mortgage market. Alternatively, go for a fixed-rate deal which will guarantee payment amounts for a fixed term (usually 5 years). The most important thing is to look around. Don't sign up to the first deal you find; compare different mortgage types and find which one will suit you and your circumstances best.

Although mortgages are becoming harder to obtain, they're not impossible. Offset mortgages are ideal for those with savings, and if you have equity in your home consider a remortgage to cut payments and release cash.

FHA Secure Refinance For Reset Mortgage Rates

Are you a good borrower who has struggled recently with late mortgage payments because your adjustable loan was reset to a high rate, or because of a temporary financial hardship?

The good news is that you may be able to take advantage of the FHA Secure program and refinance into a 30 year fixed rate mortgage. The potential bad news is that you have to qualify using the standard FHA debt ratio, which may be one reason why you have your current loan.

What is FHA Secure? It's a refinance mortgage program designed by FHA to help you if you had good credit until the interest rate on your adjustable mortgage was reset or recast to where the monthly payments were too high to handle, resulting in late or delinquent mortgage payments.

What are the benefits? Providing that you qualify, an FHA Secure loan can:

* Allow for late mortgage payments which normally disqualifies a loan
* Refinance a high adjustable rate into a 30 year fixed rate mortgage
* Allow financing for your home with as little as 3.5% home equity
* Provide help to avoid defaulting on your mortgage and keep your house

The new FHA Secure loan is a rate and term refinance, with no cash out allowed. If there is enough equity available, the loan can include money to cover past due mortgage payments, closing costs, and late fees. The loan applies only to an owner occupied principal residence.

How do you qualify? The general requirements for FHA Secure include:

* The rate reset was the main cause of the delinquent mortgage payments
* Credit must have been good for at least 6 months prior to the rate reset
* The mortgage being refinanced is a non-FHA adjustable rate mortgage
* Must have sufficient income to qualify for the new mortgage payments
* A sustained verifiable history of employment for a minimum of 2 years
* A letter of explanation regarding the late payments should be provided

One of the primary goals of the FHA Secure program is to help restore liquidity and stability to the real estate markets, which includes assistance to subprime borrowers. It can assist people who have missed up to three mortgage payments over the previous 12 months. The program can also help people who have experienced a temporary economic hardship, such as medical expenses, loss of overtime pay, as well as those affected by payment shock from a rate reset.

Any type of conventional loan can be refinanced with FHA Secure, as long as you have been current on your mortgage for the last 6 months, and have sufficient income for the payment. If you are delinquent now, the default must have been due to the payment shock of a mortgage rate reset or, in the case of an Option ARM, the recasting of your mortgage to a fully amortized loan.

To determine the maximum loan amount, FHA will rely on a current home appraisal, even if you have owned the home for less than one year, and may review appraisals in declining markets.

Article written by Rick Smith at http://www.crhome.com, additional FHA mortgage information at http://www.ditech.com

Lowest Home Equity Loan Rates

Tired of high interest rates? Loan rates can be burdensome, especially when they are high. Often, high interest rates dampen our zeal to borrow money. Fortunately, some companies, banks, and financial institutions work to make our wishes come true by offering the lowest interest rates to us on certain conditions.

Home equity loans probably provide the best interest rates. They are secured against the equity of a home, keeping the home as collateral. Equity refers to the difference between the estimated value of a home and the outstanding mortgages against it.

Such home equity loans offer interest rates which are fixed until the end of the loan period. Hence, repayment is made in equal sums every month. Home equity loan rates may seem slightly higher than other rates from the beginning of the loan payment, but are actually affordable and reasonable when viewed later on.

Most financial institutions look into a number of factors such as credit history, credit score, financial standing, outstanding debts, and other things, while considering our application for home equity loan rates.

Some excellent companies and financial institutions providing low home equity loan rates include E-loan, Loan Web, Ditech, Lower my Bills, Mortgage Loan, Home Loan Center, Lowest Rate, Country Wide Home Loans, and Quicken Loans, besides others.

The aforementioned companies usually provide free loan rates and quotes, enabling us to find the rate that works best for us. HSH Associates provides current home equity rates too. With loans extending to 5 ears, 10 ears, and even 15 ears, someone with a good credit history can borrow up to 100% of the equity value of a home with low fixed interest rates.

Different companies, financial institutions, and organizations provide different interest rates. Hence, to get the best home equity loan rates, one has to research well and find out about the different rates offered by different companies. Only then can one get the best deal at the lowest rates.

Home Equity Loan Rates provides detailed information on Home Equity Loan Rates, Lowest Home Equity Loan Rates, Best Home Equity Loan Rates, Fixed Rate Home Equity Loans and more. Home Equity Loan Rates is affiliated with Fixed Rate Home Equity Loans.