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What is Home Equity?

Home equity is an asset that comes from a homeowner's interest in a real property. This is the difference between the property's market value and outstanding loan balances. Home equity can increase over time as the homeowner makes payment of the loan balance or the market value increases.

There are 2 types of Home Equity Loans


What it is?

Home Equity Line of Credit

- A home equity line of credit, works more like a credit card. It lets you borrow a certain amount of credit available as needed and has an adjustable rate that changes with the market.

What it is?

A home equity loan lets you borrow a lump sum and pay it back over a fixed term at a fixed interest rate.

How Beneficial it is?
- Funds can be accessed at will anytime
- Can boost a homeowner's credit score, when used correctly

How Beneficial it is?
- If you need specific amount of money
- To pay debt with fixed, lower interest rate

When is it needed?
- Ongoing House remodeling
- College Fee Payment
- Emergency Expenses

When is it needed?
- Buying a car
- Debt consolidation
- Specific home repair or improvement


- An adjustable interest rate
- Draw money as you need it
- Pay interest only on the amount you draw

- Gives Lump sum money
- A fixed and lower interest rate

Written by Ruth Smith on Feb. 8th 2018

Why Physician Loans are being offered?

Doctor Loan or referred as Physician Mortgage is a type of loan for Doctors, Physician in Practice and Residents who are not being qualified for conventional loans. Traditionally, doctors are high risk lenders due to short work history, have significant amount of student loan debt and have small savings. Doctor Loan common features are low down payments, no private mortgage insurance, low interest on jumbo loans and 90 days move in prior start of new employment. 

Written by Ruth Smith on Oct. 12th 2015

7 Critical Questions to Ask Every Real Estate Agent Before You Sign Anything! 

1.) How many years have you been a full-time, licensed real estate agent or broker ? Helpful Hint: Longer is better.

2.) Do you have a specific plan to get my home SOLD within 90 days or less? Helpful Hint: Don’t hire anyone that does not have a plan to get your home SOLD! 

Credits to www.Clientcreator.com

Top Tips For First-Time Home Buyers

Considerations Before You Buy

What type of home best suits your needs?

You have several options when purchasing a residential property: a traditional single-family home, 

Written by Ruth Smith on Oct. 12th 2015

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