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Debt Consolidation with Home Equity Loans

Homeowners save money when they consolidate debt with a home equity loan. Smart Home Equity remains an authority for debt consolidation solutions utilizing a home equity loan. Our loans allow borrowers to consolidate bills with a fixed interest rate home equity loans for reducing interest and lowering monthly payments.

Fixed Rate Consolidation Loans

The Internet is fast becoming the most popular way to shop for a mortgage refinance or home equity loan for consolidating debt. Even if you have bad credit or are looking for second mortgage after a Chapter 13 Bankruptcy, all it takes to find hundreds of lenders standing by to compete for your business is a Google search for such terms as "bad credit 2nd mortgage", "mortgage refinance", "home equity loan" and other similar terms.

An internet search with Google, MSN or Yahoo for "debt consolidation" will yield results for a secured debt consolidation loan, as well as for consumer credit counseling services (CCCS). These services provide counseling on personal finances, which may not be enough to resolve your need for more immediate financial relief. With housing prices being as they are, you probably have more equity than you think you do. Why not tap into it to pay off collections and judgments, your variable rate home credit line and other nagging bills.

Debt consolidation loans can help you keep your house by paying your past debt due, and it can help you avoid bankruptcy. As many people know, under the new Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCA), it is much more complicated and expensive to file for bankruptcy because of:

  • The two-part means test to determine which chapter under which you can file;

  • Your income being subjected to an IRS means test if it is determined that it is more than the median income in your state;

  • The requirement for you to undergo consumer credit counseling in a government-approved program;

  • Having to take a government-approved financial management course before any debt can be discharged;

  • Requiring your attorney to conduct an investigation of your filing and be personally liable for it; and

  • Your bankruptcy filing now being subject to audit in a manner similar to tax returns.

These are only a few of the many new requirements under the new bankruptcy reform laws. This is why it's better for you to use your home equity to pay off your bills. It will put you on the road to financial recovery a lot faster, and save you a lot of money. Besides, paying off your debts can raise your credit scores substantially. Then after establishing a good payment history with your debt consolidation loan, and keeping it for the next couple of years, you can refinance for lowered interest and better terms. Another option is debt settlement. You can settle credit card debt whether you own a home or not.

Otherwise if you are not underwater, consider a debt consolidation mortgage.

Additional Home Equity Options from Smart Home Equity
Home Equity Loan Refinance
Home equity loan refinancing with fixed rate terms.
Bad Credit Home Equity Lines
Get cash for debt relief and consolidation even if your credit scores are bad.
Home Equity 125% Refinance
Refinance credit cards and adjustable rate loans with no equity needed.
Debt Consolidation Loans
Consolidate bills and lower your monthly payments and save!

 

Fixed Payment Home Equity Loans

Utilize your home equity!
Sub-Prime Equity Loans
No Doc Home Equity Loans
Most homeowners are getting wise to adjustable rates, but if you have put off consolidating your credit cards or variable line of credit, take a minute and discuss a fixed payment home equity loan that could save you quite a bit of cash over the years.
Cash Back Equity Loans
100% Home Equity Loans
Home Improvement Loans

Finance Home Remodels
Pool Construction Loans

Homeowners should stop using their credit cards to finance home improvements because the interest rates for fixed rate home equity loans are much lower & they will be able to borrow more to get their projects done right the 1st time.

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Home equity loans are subject to lender and underwriter approval. This is not an advertisement for credit as defined by paragraph 226.24 of regulation Z. Disclaimers
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