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need to get a loan---what do you suggest
Posted on 3/11/12 at 10:58 am
Posted on 3/11/12 at 10:58 am
own a house, have a mortgage; no 2nd mortgage; lot of equity in a house. want to get a loan for $15k--$20k or perhaps simply the ability to access up to $15k--20k--should be able to fully pay it back by the end of the year. suggestions as to what type of loan to seek/best way to do this; suggested interest rate to seek; any recommendations? thanks in advance
4
Posted on 3/11/12 at 11:03 am to yellowtiger
home equity loan or line of credit, you should be able to get 4%
Posted on 3/11/12 at 11:19 am to yellowfin
thanks---any recommendations as to lenders?
Posted on 3/11/12 at 11:34 am to yellowtiger
Pentagon Federal Credit Union has good rates, it only costs about $15 to join
Posted on 3/11/12 at 2:19 pm to yellowfin
quote:
home equity loan or line of credit, you should be able to get 4%
Just curious, where have you seen a 4% HELOC. Most everything i've seen has a 1.5-2 point floor attached. That's crazy low!
Posted on 3/11/12 at 2:37 pm to yellowtiger
Don't do it! You are going to have that HELOC forever......like luggage.
Posted on 3/11/12 at 2:39 pm to Daygo85
Disagree. I've had two HELOC's, both now gone, 30k in loans made me an extra 75k when I sold, a 45k profit
Posted on 3/11/12 at 2:57 pm to ItNeverRains
LINK /
Posted on 3/12/12 at 9:07 am to yellowtiger
what do you need the loan for??
Posted on 3/12/12 at 9:19 am to yellowfin
Wow. Thanks! Not having that floor for homeowner who lives in the homes is awesome
Posted on 3/12/12 at 9:25 am to yellowtiger
Check into Iberia bank as well. I think they may even go above that 80% home equity line threshold.
Posted on 3/12/12 at 12:19 pm to ItNeverRains
quote:
where have you seen a 4% HELOC.
Iberia is running a variable with 1.99% introductory rate and then prime + .25%
Posted on 3/12/12 at 1:35 pm to Putty
i would like to make my 2011 (and probably 2012) health savings account contribution before april 15; possibly roth contribution as well
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