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	TOP STORY
	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

	4 great reasons to refinance now With mortgage rates the lowest in years, now is the time to see if refinancing could help you.
	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.
	How to lower your heating bills With the price of natural gas, oil and electricity up again this winter, these 8 smart moves can save you a bundle.
	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.
	The 7 biggest remodeling mistakes There's no way to guarantee a hassle-free project. But avoiding these blunders will save you money and aggravation.

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NECESSARY MUST DOS

	Spend less on hot water These 3 smart moves will lower your gas or electric bill without sacrificing comfort or convenience.
	Get help with your heating bills Utility companies to credit unions can provide money for everything from monthly payments to fixing broken furnaces.
	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.
	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.
	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.

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LATEST TIPS

	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.
	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.
	New foreclosure prevention efforts won't help jobless That's a problem because unemployed homeowners are likely to spur the next wave of foreclosures.
	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.
	Home equity lines of credit slide again The average rate for a line of credit fell to 5.07% and the cost of a traditional home equity loan edged down to 8.24%.
	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.

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HOME EQUITY CALCULATORS

Calculators

Work sheets

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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

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.	Can my fiance just take his name off our mortgage?

Q.	Should I use a fake pay stub to apply for a home equity loan?

Q.	I'm paying 12.45% on my mortgage. Can I refinance an $11,000 balance?

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1/8/2009 2:50:29 PM

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