Line Of Credit
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Answers
I owe $5536 on the line of credit
Sorry it's 0.75% per MONTH. How do I figure out the effective cost of borrowing. Sorry if these are dumb questions
The APR is 9% just multiple the MPR (monthly percentage rate) by 12. You pay in interest each month is 41.52 so thats 498.24 a month. Multiply the 0.75% or the MPR to your balance to find out what your finance charges are each month. So whenever you make a payments it is going to take away the finance charges first then what is left over it will apply that to the balance.
A home equity line of credit (HELOC) can provide a flexible alternative to a traditional fixed or variable mortgage. A HELOC gives you access to ...
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They've been constantly offering this, but banks are in business to make money. What's the catch?
If you are talking about a home equity line of credit, then there probably is not a "catch". It is very common for banks to offer HELOCs with no closing costs. The cost is extremely low to the bank for these types of lines of credit because the bank usually does not have to order a title policy. The bank is going to make their money on the interest that is charged to you when you use the line.
The bank is offering a line of credit sale. I pay no fees, the bank is covering all closing costs, state taxes, appraisal fees and the first year annual fee. I can take out a line of credit on the equity of my house. The rate is prime minus 1/2.
What is in it for them? Could there be a hidden downside for me? What do you think?
This sounds normal to me. They make their money on the interest and incidentally, you must have good credit becuase prime minus half is good. I don't think their costs incurred are all that much and half the time the appraiser doesn't even look inside the house. It's basically a good source of low cost credit for people with equity in their homes. (low risk for them.) I assume it's a reputable bank.
I have a home equity line of credit at 9%; I see them advertised at 7.5%. Any ideas on how I might find a better rate without closing costs besides just calling around?
Try Citimortgage, I wouldn't do the line of credit, I would do the home equity LOAN, because the line of credit adjusts with prime. Do the loan and it will be fixed. It also depends on your home's worth and how much you need and your credit score. There are a lot of factors. Call a mortgage BROKER because they can shop around for you and get you the best rate. Also the closing costs are typically covered with Citimortgage.
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Educated Guesses About When The Fha 30yr Fixed Rate Will Drop And ...
You have two major factors against you. One, your in an election season, meaning anything can and will happen. Two, and more importantly, fannie and freddie need to play themselves out. If they need to access the line of credit granted by the government, you better expect rates to go up, they have no other way to make money as they certainly cannot sell stock. You really need to stop worrying about rate. A mortgage and a home is not about rate, it’s about rate of return on an investment. You rate does not help you buy a car, or get a credit card. At this juncture, I’d stay right at 6.5%, a little higher rate is only going to cost you 30-50 a month, which should help your tax write off at the end of the year. And all of us are going to need it, you probably keep hearing about all of these government bailouts…….well who will eventually pay the tab on this? You, me and all the other tax paying americans, you may need all the writeoffs you can get. Take the 6.5 as this is not the market to play chicken with, pay your mortgage down to where your not paying mortgage insurance (if your over 80LTV, your probably paying at least 1-3k upfront mortgage insurance) and hopefully you can refi to a 15 year at a nice low rate and have the home paid off by the time your 50-55. Good luck
...News
The Price for Fannie and Freddie Keeps Going UpWall Street Journal - Dec 30, 2009
Washington Post a subprime mortgage refers to the credit of the borrower. A FICO score of less than 660 is the dividing line between prime and subprime, but Fannie and Fannie Mae and Freddie Mac: Just a Four-Letter Word?How Reform Minus GSEs Will Add UpFannie / Freddie - What Does Treasury Know?all 1,570 news articles »
Malaysia Star (blog) - Dec 29, 2009
Implication to Government: A hefty amount of annual tax income with corelated to performance of the line of Credit Card business of bank. and more »Wall Street Journal - Dec 29, 2009
"The banks have really tightened up, so it's harder and harder to get a home-equity line of credit," Mr. Richardson says. "If you don't budget for repairs, and more »PR Web (press release) - Dec 30, 2009
second mortgage and/or equity line of credit also known as a HELOC. The property's fair market value is $175000.00 dollars and is sold for this price. and more »
FOXNews - Dec 30, 2009
Meanwhile, Congress recently voted to extend and expand a program that gives an $8000 tax credit to first-time homebuyers into next spring. and more »PR Newswire (press release) - Dec 30, 2009
In December 2009 Onstream's line of credit arrangement was extended for two years with an increased borrowing limit of $2.0 million. and more »Wall Street Journal - Dec 17, 2009
If you have good credit, you can apply for an overdraft line of credit, which kicks in when your checking account is empty. There's a fee, often $10, and more »