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	TOP STORY
	Rates on home equity lines of credit remain near three-year lows
	Home equity lines of credit now cost 5.83% or less. ...

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HOME EQUITY FEATURES

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FEATURED STORIES

	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.
	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.
	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 do a short sale Our step-by-step process lets you sell your home for less than you owe on your mortgage with your lender's permission.
	4 ways insurers cut your coverage Insurers are rewriting homeowners policies to limit their liability and reduce what they pay on claims.
	Home prices falling almost everywhere now Where it's bad, it's very, very bad, with 34 cities suffering price declines of 10% or more over the last year.

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NECESSARY MUST DOS

	Know how much a calamity will cost Deductibles are changing from a fixed amount to a percentage of your home's insured value, which is almost always a lot more.
	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.
	Start using compact fluorescent light bulbs They're more expensive but save money in the long run by using 75% less electricity and lasting up to 10 times longer.
	Use home equity wisely Every financial expert we know says home improvements are the best way to use a home equity line of credit.
	Check your flood risk It takes only seconds and is a smart move, even if you don't live near the shore or have a creek running through your yard.
	Watch out for predatory lenders Ignore anyone who knocks on the door, or calls on the phone, with a high-pressure sales pitch. Those are the bad guys.

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LATEST TIPS

	Millions are spending too much on housing More than 7.5 million families need more than half of their pretax income to keep a roof over their heads.
	National City paying customers $200 to close HELOCs The money is being offered to select borrowers who don't have a balance and were not using their accounts.
	Pay a buyer's closing costs Your home will sell faster if you help home shoppers come up with the cash they need to close the deal.
	Condo contracts aren't easy to ditch Buyers are having a tough time finding a loophole that will let them back out and get their deposits back.
	5 ways to cut monthly expenses If your adjustable-rate mortgage is going up, here's how to find a couple dollars a day or hundreds of dollars a month.
	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.

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HOME EQUITY CALCULATORS

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

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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10/7/2008 10:42:41 AM

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