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    Zhuyeqing

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    Finance > Insurance > Home Insurance
    Lower Bills With Debt Consolidation Refinancing Vs Home Equity Loan
    Posted by nick_niesen in Finance on October 29th Authentic Cameron Heyward Jersey , 2010



    Consolidating your debt can help you lower your monthly bills and interest rates. While refinancing and home equity loans can both help you pay off accounts, they have their own benefits. The best choice depends on your current mortgage terms and future financial goals.



    The Goal Of Debt Consolidation



    The goal of debt consolidation is to pay off your current debt with a new, lower rate loan. The lower your rates, the more of a savings your pocketbook will see each month. But loan fees can eat into those savings.



    Extending your loan term can also lower your monthly payments. But your interest costs will be higher over the life of the loan than if you choose a shorter term.



    For debt consolidation to be most affective, plan on paying off and closing accounts as soon as your receive your loan amount. That way you wont be paying interest on two account or be tempted to use your credit.



    Refinancing Your Mortgage For Debt Consolidation



    Refinancing your mortgage to cash-out your equity for debt consolidation purposes will qualify you for lower rates than a home equity loan. Having one mortgage is seen as less risky by lenders than by having two loans.



    But you also have to consider overall rates. If you currently have a low rate mortgage Authentic Ben Roethlisberger Jersey , then refinancing for a slightly higher rate doesnt make sense.



    For example, if you have a $200,000 mortgage at 5% for 30 years, your interest costs $186,513.24. Say you refinance for an additional $10.000 Authentic James Conner Jersey , but now your rate jumps to 6%. Your interest costs jumps to $231,677.04 an increase over $45,000. It would have been better to go with a home equity loan.



    Using A Home Equity Loan



    A home equity loan allows you to use your equity without affecting your current mortgage rate. In some cases, it can also protect you from having to provide private mortgage insurance, an additional cost.



    However Authentic JuJu Smith-Schuster Jersey , home equity loans, also known as second mortgages, have higher rates than if you refinance your mortgage. This is only an issue if you have a high rate mortgage. In this case, the better choice is to combine the cash-out with a refinance.



    In the end, you need to compare numbers to find what is your best option. Luckily Authentic T. J. Watt Jersey , lenders offer free online quotes to make this easy.

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