Rental Property Manager Other
Amazon.com: Quicken Rental Property Manager: Software Your Store Software See All 32 Product Categories Your Account | Cart | Wish List | Help | browse brands & products | top sellers | new & future releases | children's software | games | electronics | outlet Search Amazon.com Software Web Search This item is not eligible for Amazon Prime, but over a million other items are. Join Amazon Prime today. Already a member? Sign in . ITEM INFORMATION Explore this item buying info system requirements product description customer reviews See more by this manufacturer Intuit Customers also bought these other items... Share your thoughts write a review write a So You'd Like to... guide tell a friend about this item Help us help others submit a manual RATE THIS ITEM I dislike it I love it! 1 2 3 4 5 Edit your ratings Visit the Books Store Every Landlord's Tax Deduction Guide by Stephen Fishman Get it for less! A9.com users save 1.57% on Amazon. Learn how . Have one to sell? Quicken Rental Property Manager Other products by Intuit This item is currently not available. Customers also shopped for these similar items . Platform: Windows XP / Me / 2000 Media: CD-ROM See more pictures | System requirements Features: Schedule E category list shows what's deductible. Designed for rental property owners; ideal for fewer than 10 rental properties Easily organize rental income and expenses in one place Two-step set up; simply install and enter basic property information Details property performance; instant answers to questions about profitability Manufacturers, merchants, and enthusiasts: Submit a product manual for this item. Amazon.com Sales Rank: Today: #1,494 in Software Yesterday: #1,418 in Software ASIN: B00078UK2I Item model number: 294120 Date first available at Amazon: December 27, 2004 Average Customer Review: Based on 5 reviews. Write a review . Popular in: Harrisburg, PA(#18) , Cape Coral, FL(#11) Customers who bought this itemalso bought these items: Quicken 2005 Premier Home & Business [Old Version] by Intuit Quicken 2005 Premier [Old Version] by Intuit Quicken Premier Home & Business 2006 by Intuit, Inc. Quicken Medical Expense Manager by Intuit, Inc. Explore Similar Items : 15 in Software , and 18 in Books What similar items do customers ultimately buy after viewing this item? 1% buy Real Estate Pro 4.1 by Multicast Media Pty Limited 1% buy MYOB Business Essentials Pro 2005 by MYOB US Explore Similar Items : 7 in Software , and 4 in Books Customers who viewed this itemalso viewed: Quicken Rental Property Manager 2.0 by Intuit Dolf De Roos' Real Estate Investor's College: Real Estate Investing for Everyone (Audio and DVD Success) by Topics Product Description From the Manufacturer Quicken Rental Property Manager, designed for rental property owners like you, lets you easily keep an ongoing record of your critical income and expenses. Quickly get the information you need at tax time, and take the deductions you deserve. With just a click, see how your properties are performing! Benefits: Organize all your information in one place. Replace shoeboxes, spreadsheets, folders, and hand-written information with one simple solution. Ideal for fewer than 10 rental properties. Track all your income, expenses, and tax information. While less than 10 properties is recommended, some users track over 40 rental properties with multiple units. Get the tax deductions you deserve. The Schedule E category list shows you what's deductible. See how your properties are performing. Get instant answers to your questions about profitability. Two steps and you're set up. Just install the software and enter basic information about your properties. Designed for and tested by rental property owners like you. That's why it's so easy to use! Plus, you get a 60-day money-back guarantee. One year* free technical support. Ask questions and give feedback at http://www.quickenrental.com/support. Features: Save time at tax time Save time retrieving financial information when you're doing taxes. No frantic searching for the right receipts and paid invoices at tax time! Easily categorize your financial information throughout the year using the income and expense log. And don't worry about having to do the math. Quicken Rental Property Manager automatically generates tax reports that you or your accountant can use to prepare your Schedule E tax forms. Maximize deductions Take every deduction you deserve. It's easy to capture allowable deductions all year as you record your expenses. You'll find your deductible expenses in the Schedule E category list. Flag deductions you're not sure about. Can't find the right category for a particular expense? Just choose "not sure", and at tax time you can print out a report for your accountant, who can help you make the right choices. Track your vehicle mileage with every entry. This is a deduction many property owners miss! Don't worry; we'll do all the calculations for you. See how your properties are doing Find out how your rental properties are performing. Which of your properties are profitable, or more profitable than the others? Find out if you're earning more than you're spending, or vice versa, by running reports that track your cash flow by each property over time. You'll have your answers in seconds. Compare performance month-by-month. You can check up on profitability for each property you own from one month to the next. Drill down for details. If you're not sure where a number in a report is coming from, just click on it. You'll be taken directly to the transaction that the number is based on. Get up and running in no time Two steps and you're set up. It's easy to get started. Just enter the basics--property names, the number of units per property--and start tracking your income and expenses right away. Our easy-to-use setup will guide you through the process. Memorized transactions cut down data entry. You won't have to enter similar data twice. Quicken Rental Property Manager remembers transactions and fills them in for you wherever applicable. One simple entry for mortgage payments. As you enter your monthly payments, don't worry about separating the interest from the principal. When you get your 1098, you can itemize the interest on the Tax Summary Report in one click. Designed for and tested by rental property owners like you. That's why it's so easy to use! Free technical support for one year*. Refer to the in-product help menu or visit http://www.quickenrental.com/support (or call 1-877-683-3274) to ask us questions or give us feedback at any time. *Offer available for one year from the date of purchase. Registration required. Additional terms, conditions, and limitations apply and are subject to change without notice. Quicken Rental Property Manager is a standalone product designed specifically to support the unique needs of rental property owners and at this point does not integrate with Quicken personal finance or TurboTax software. Product Description Organize your rental income and expenses in one place. New! Quicken Rental Property Manager, offers the easiest way to organize critical income and expense records in one place. We’ll help you eliminate the paperwork hassles, making tax preparation a much easier process. •Integration with Quicken® Personal Finance or Turbo Tax® software is not available. See all product description... Spotlight Reviews (What's this?) Write an online review and share your thoughts with other customers. 58 of 63 people found the following review helpful: User Unfriendly , March 29, 2005 Reviewer: Ryan P. Mcgovern (St. Paul, MN)- See all my reviews Poor program. It is not compatable with any other quicken software, and does not allow for any bank/ccard downloads. You need to enter each item individually, making it very time consuming. This is no better than a simple excel spreadsheet. Was this review helpful to you? ( Report this ) 53 of 55 people found the following review helpful: More of what you don't need, none of what you do. Can I give it a negative star? , June 23, 2005 Reviewer: PBNTOAU "pbntoau" (Illinois)- See all my reviews I've been managing rental property for about 15 years, starting with 2 buildings and 10 units at the beginning and now with 25 units in 5 buildings, containing a mix from studios and 1-bedrooms up to 4-bedroom apartments. I recently decided to update from a very old version of Quicken, and since they had this program specifically for rental properties, I thought I'd found a perfect match. I couldn't have been more wrong. You would think that a company that has made accounting software for this long would understand the most basic needs, like a running total alongside each transaction (which even my 7-year old edition of Quicken had). Nope. There is only a single running total. Make a mistake, and it is virtually impossible to backtrack and find. How about a field for your check number, the singular way to identify your checks/transactions? It doesn't have one. One of the 8 or so automatic fields they do give you is unit number. Problem is, it's a simple numeric assignment based on the number of units you input when you create each building's account, and it can't be altered. Apartments lettered instead of numbered, numbered in partial sequence, alpha-numeric, by floors, cardinal direction, etc? Tough luck. These are just a few of the problems or basic design flaws I've come across. It took several painstaking hours to transfer the entries from my old software and books into this new software, and now I'm stuck until I either find the time to transfer the data to something I trust, or I continue to use this program until the end of the year. It's half baked, and that's putting it lightly. I wouldn't recommend it for even the most entry-level rental property owners or managers. I can't imagine a big firm using it. Regular quicken costs half as much (though even that's getting horrible reviews on Amazon). The previous reviewer said it's no better than a simple excel spread sheet. I'd go further and say it's worse. Save your time and money, and just create a simple excel file. Was this review helpful to you? ( Report this ) All Customer Reviews Average Customer Review: Write an online review and share your thoughts with other customers. 1 of 1 people found the following review helpful: Program stinks! , November 16, 2005 Reviewer: Robert J. Uyttebroek "Disgusted with Intuit" - See all my reviews I bought the software about a month ago. Everything was working fine until a prompt for an update came across. The update process removed the aplication from my computer. Attempts to re-install the product were fruitless. The program is now worthless. Attempts to get a response from Intuit were also fruitless. Last time I buy an Intuit product and my advise is for everyone not to buy this worthless product and any other Intuit product. Was this review helpful to you? ( Report this ) 2 of 2 people found the following review helpful: Better than Paper, But Not Full Featured like Quicken , November 9, 2005 Reviewer: William Perez "About.com Guide to Tax Planning" (San Francisco, CA United States)- See all my reviews QRPM is a stand-alone software program for tracking rental income and expenses. It does not integrate with Quicken, Quickbooks, or Excel. It does allow you to export to TurboTax, but that's the extent of integration. QRPM is designed to replace paper-based systems, such as ledgers, envelopes, scratch paper, and checklists. This is not a full-fledged accounting software, so if you are looking for robust bookkeeping features (online banking downloads, bill payments, cost basis accounting), you are better off spending a few hours to customize Quicken or Quickbooks. Otherwise, for what QRPM does, it does well. In Version 2 you can add up to 100 properties and up to 100 units per property. You can name your units anything you want (such as "24A," or "Garage"). QRPM is designed to track rents and basic expenses. You can quickly see which tenants have paid, who hasn't paid, who has paid late, and which leases are expiring. QRPM is great at tracking this basic information. For anything more advanced, you'll want to develop customized categories (in Quicken) or accounts (in Quickbooks) along with customized reports to get a quick overview of your rental properties. Was this review helpful to you? ( Report this ) 9 of 9 people found the following review helpful: Like a spreadsheet, but less useful , September 11, 2005 Reviewer: W. Lundin - See all my reviews This Rental Property Manager is like having one register for each property to track credits and debits. Some reports. Thats it. Using the regular Quicken Basic, with a Banking account and a Property/Asset account, works better and gives you a way to compare operating expenses, income, mortgage/loan information, and property value. Since its scope is limited, having shorter lists of categories and tax schedules and lines to worry about than in the regular Quicken software, but the limited scope and higher cost for a focused subset of Quicken Basic? Not so useful. Was this review helpful to you? ( Report this ) See all 5 customer reviews... So You'd Like To... Work Less and Earn More :by carlamarie , Business Guru BE A REAL ESTATE INVESTOR :by G. 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Home Mortgage will give
Mortgages Choice Home Mortgage Reverse Mortgages Website Production By: Contact Us Apply Online Loan Guide Welcome to ChoiceHomeMortgage.com We offer mortgage and home loan programs available from over FIFTY regional and national lenders. We can help you to purchase a new home or refinance your current one for home improvement, consolidation of debt, or just to lower your existing monthly mortgage or home loan payments. We will find for you some of the lowest mortgage and home loan interest rates lenders have to offer. Apply online , now and $ave HUNDREDS , contact us . Whether you are buying a home or refinancing your existing mortgage, Choice Home Mortgage will give you the personalized attention you deserve. In the event you have ever filed for personal bankruptcy or have past or existing credit problems, our LOAN STALKER can help you obtain the mortgage you are seeking. Please call, all information about your mortgage is kept confidential. Choice Home Mortgage Phone: 1-800-525-9940 Fax: 631-758-9201 e-mail: info@choicehomemortgage.com We write mortgages for more than 50 regional and national lenders, clients with perfect credit, and those with less than perfect credit! Apply Online | About Us | Loan Programs | Non-Conforming Loans | Step By Step Guide Loan Document Checklist | $ave Hundreds | Contact Us Registered Mortgage Broker NYS Banking Department All loans arranged through excellent third party lenders. Mortgage Rates For Conventional & Non Conforming Loans Mortgages and Home Loans For Mortgage Rates use our free quote form. Choice Home Mortgage located in Long Island NY
Denver Real Estate Site
Buy Denver real estate; relocation info Buy Denver real estate Denver Neighborhood Profiles The Denver Metro area consists 50 municipalities and counties that comprise the Denver area. The following links are some of the neighborhoods to consider in your relocation Arvada NW Metro Denver region Aurora E & SE Metro Denver region Brighton NE Metro Denver region Broomfield N Metro Denver region Boulder NW Metro Denver region Castle Rock South Metro Denver region Cherry Hills South Metro Denver region Conifer SW Denver mountain region Commerce City NE Metro Denver region Denver City and County of Denver Englewood South Metro Denver Evergreen West Mountain region Greenwood Village South Metro Denver region Golden West foothills of Metro Denver Highlands Ranch South Metro Denver region Ken Caryl SW Metro Denver region Lafayette N Metro Denver region Lakewood West Metro Denver region Littleton SW Metro Denver region Loft Living Downtown Denver Louisville N Metro Denver region Lone Tree SE Metro Denver region Morrison SW Metro Denver region Northglenn NE Metro Denver region Parker SE Metro Denver region Thornton NE Metro Denver region Westminster N Metro Denver region search Denver Real Estate Site Denver Denver real estate is exciting to discuss with people relocating to the Denver metro area. We have a diverse economy, a highly educated population, progressive leadership and a beautiful setting on the high plains of the Colorado Rocky Mountains. While most people are under the impression that Colorado, including Denver is hip deep in snow all winter long, happy residents know the truth. The snow gets deep in the high country while Denver enjoys sunny, mild weather with only occasional snowy days to break up the boredom! Over the past decade Denver has enjoyed a renaissance, adding a world class international airport, DIA, a new Bronco football stadium, Invesco Field at Mile High, baseball park, Coors Field for the Colorado Rockies, a massive entertainment facility and home of the Stanley Cup winning Colorado Avalanche are just of few of the new additions to the city. These days more history is in the making with the construction of additional Light Rail lines and the infamous T-REX the construction project we all love to hate. As a commuter myself, I love watching the road change each week as they progress continues. It won't be long before it is done and we will be one more step into a modern future far from the Wild West Frontier Days of the past. Denver Economy Denver's diverse economy in a variety of industries make a home in Colorado; telecommunications, aerospace, financial services, computer software, biomedical and many other high tech sectors offer employment here. Major employers in Denver include Comcast, Level 3 Communications, Qwest Communications, Lockheed Martin, Xcel Energy and Sun Microsystems. Metropolitan Denver doubled in population from 1960 to 2000. The actual growth rate was 2.4%. Interestingly the age of the population is now very close to the same age of the U.S. median population age of 34.4 years. Denver real estate The cost of living in Denver is less than most major cities in the U.S. but higher than many. Housing availability is currently very good, with single family homes beginning in the high $100,000 and going up from there. (For additional pricing information visit the Maps and Stats page ) Denver accommodates a variety of lifestyles in homes from lofts, condos, high rises to single family homes. If you are considering moving to Denver , you will enjoy doing your research here on this site. As questionsoccur, please feel free to e-mail me or telephone me (toll free 800-319-7738). I specialize in helping people relocate to the Denver and the Denver Metro area.My experience and knowledge is available for home buyers who need help. So if that's you, call on me. Source eNeighborhoods Kristal Kraft , ABR, CIPS, CRS Licensed real estate broker selling Colorado Since 1984 The Berkshire Group Realtors, Inc. 3801 E. Florida Ave, Suite 502, Denver, Colorado U.S.A. 80210 800-319-7738 toll free | 303-589-2022 direct | 720-554-7961 fax E-mail: Kristal Kraft, Realtor 1998-2005, © Reflective Motion Inc. | Privacy Policy | Site Credits | Disclaimer | Site Map ~2 ~3 ~4 Denver Relocation | Buy a Home In Denver | Sell a Home in Denver | Denver Map | Denver Neighborhood Profiles | Denver Sales Statistics | International Real Estate | A Bio | My Favorite Places | Real Estate Resources Denver Loft Homes | The Berkshire Group | Buy and Sell Denver | We Sell Denver | Denver Colorado Real Estate | Denver Blog
Land For Sale
LandAndFarm.com - Land for sale, Farms for sale, Rural Property for sale Advertise here Search Properties Wanted Auctions Newsletter Quick Start Register About My Properties Number of visitors online now: 231 Thursday, December 29, 2005 Ad Prices Help Contact Login Subscribe to Rural Property Bulletin Last Few Listings Most Viewed Least Viewed Recently Updated Search by USA Map Rural Property Sites Tool Box Get new properties in your email box! Newsletter Sign-up: yourname@xyz.com HTML TEXT For fun: old listings Contact Us Community Stats Seller emails: 102,892 Property emails: 110,227 Property Views: 13,028,620 Newsletter Subscribers: 14,850 Site Statistics Property 1761 Brokerage 15 Finance & Mortgages 3 Wanted 1 Businesses For Sale 7 Livestock 1 Rural Living 16 Miscellaneous 3 By Land Use: commercial land : 117 dairy farm : 22 fish - aquaculture : 15 forest - natural : 283 forest - planted : 116 historic : 41 horse farm : 380 hospitality : 61 hunting property : 610 livestock operation : 129 mobile home park : 4 oil or minerals : 7 orchard : 17 organic uses : 20 pasture : 319 permanent crops : 43 poultry farm : 33 recreational property : 677 residential land : 844 row crops : 107 undeveloped land : 377 vegetable farm : 15 vineyard : 15 waterfront : 152 By Country: United States : 1709 Canada : 39 South Africa : 34 Zambia : 5 Botswana : 5 Chile : 4 Argentina : 2 Belize : 2 Brazil : 2 Mozambique : 2 Australia : 1 Namibia : 1 Kenya : 1 By Price Per Acre: <$100: 8 $100 to $500 : 34 $500 to $2,000 : 280 $2,000 to $5,000 : 402 >$5,000 : 734 By Acres: <50 : 991 <200 : 1460 200 to 500 : 182 500 to 1,000 : 78 >1,000 : 108 By State/Province: Alabama : 24 Arizona : 11 Arkansas : 14 California : 20 Colorado : 29 Connecticut : 4 Florida : 88 Georgia : 283 Idaho : 12 Illinois : 29 Indiana : 7 Iowa : 9 Kansas : 17 Kentucky : 58 Louisiana : 13 Maine : 32 Maryland : 6 Massachusetts : 7 Michigan : 7 Minnesota : 16 Mississippi : 14 Missouri : 76 Montana : 6 Nebraska : 4 Nevada : 6 New Hampshire : 5 New Jersey : 16 New Mexico : 7 New York : 75 North Carolina : 59 North Dakota : 38 Ohio : 61 Oklahoma : 9 Oregon : 6 Pennsylvania : 6 South Carolina : 64 South Dakota : 22 Tennessee : 293 Texas : 27 Utah : 11 Vermont : 11 Virginia : 123 Washington : 11 West Virginia : 49 Wisconsin : 18 Wyoming : 6 Alberta : 1 British Columbia : 3 Buenos Aires Capital Federal : 1 IV Coquimbo : 1 Manitoba : 1 Mendoza : 1 New Brunswick : 11 Nova Scotia : 12 Ontario : 3 Para : 1 Quebec : 3 Queensland : 1 Saskatchewan : 5 VII Maule : 1 XI Aysen : 2 Not In USA or Canada : 1 Properties by: Land Use Country State/Province Acres Price Per Acre Ohio RESULTS Sort by: price size Total records: 61 Showing records: 1 to 20 Go to page : 1 2 3 4 New Search Cedarville Ohio Farm ( row crops, pasture, permanent crops) A 408 acre property. This property is for sale. Country: Other. State/Province: Ohio. County: Ross. Bob Evans Hidden Valley Ranch ( commercial land, forest - natural, horse farm) A 2,034 acre property. This property is for sale. Country: United States. State/Province: Ohio. County: Gallia. Beautiful Views ( residential land) A 121 acre property. This property is for sale. Country: Other. State/Province: Ohio. County: Muskingum. Franklin County Lots ( residential land) A 73 acre property. This property is for sale. Country: Other. State/Province: Ohio. County: Franklin. Land Live Love Play Hunt ( horse farm, hunting property, residential land) A 3.00 acre property with an asking price of $19,900. This property is for sale. Country: United States. State/Province: Ohio. County: Jackson. Nice House Pond 5.5 Ac. ( residential land) A 24.00 acre property. This property is for sale. Country: United States. State/Province: Ohio. County: Perry. Fire Sale ( recreational property, hunting property, residential land) A 1.50 acre property with an asking price of $3,400. This property is for sale. Country: Other. State/Province: Ohio. County: Jackson. Orchard Farm Market ( orchard, commercial land, residential land) A 42 acre property with an asking price of $569,900. This property is for sale. Country: United States. State/Province: Ohio. County: Lorain. Ohio Hills ( residential land) A 27 acre property with an asking price of $112,500. This property is for sale. Country: United States. State/Province: Ohio. County: Monroe. Country Home Site ( residential land, recreational property, hunting property) A 2.40 acre property with an asking price of $13,900. This property is for sale. Country: United States. State/Province: Ohio Wooded Homesite ( forest - natural, residential land, recreational property) A 5.00 acre property with an asking price of $11,900. This property is for sale. Country: United States. State/Province: Ohio. County: Pike. Touches Shawnee State Forest ( hunting property, recreational property, forest - natural) A 32 acre property with an asking price of $55,900. This property is for sale. Country: United States. State/Province: Ohio. County: Adams. Quiet Country Home Site ( residential land, forest - natural, pasture) A 0.97 acre property with an asking price of $7,900. This property is for sale. Country: United States. State/Province: Ohio. County: Gallia. Fish Canoe Camp Play ( recreational property) A 1.28 acre property with an asking price of $3,400. This property is for sale. Country: United States. State/Province: Ohio. County: Meigs. Super Year End Sale ( residential land, recreational property, hunting property) A 69 acre property with an asking price of $99,900. This property is for sale. Country: United States. State/Province: Ohio. County: Jackson. Save Save Save Save Save ( residential land, waterfront) A 5.00 acre property with an asking price of $39,900. This property is for sale. Country: United States. State/Province: Ohio. County: Gallia. Prime Hunting Land ( recreational property) A 40 acre property with an asking price of $59,900. This property is for sale. Country: United States. State/Province: Ohio. County: Adams. GREAT BUY CALL TODAY ( forest - natural, hunting property, recreational property) A 46 acre property with an asking price of $69,900. This property is for sale. Country: United States. State/Province: Ohio. County: Gallia. Farm History to 1800's ( residential land, livestock operation, horse farm) A 8.30 acre property with an asking price of $89,900. This property is for sale. Country: United States. State/Province: Ohio. County: Jackson. Recreational Paradise ( recreational property, forest - natural, hunting property) A 12.00 acre property with an asking price of $52,800. This property is for sale. Country: United States. State/Province: Ohio. County: Coshocton. Total records: 61 Showing records: 1 to 20 Go to page : 1 2 3 4 For more properties in Ohio contact the sellers below. Acreage Investments - TN Mtn. JJ Detweiler Enterprises, Inc. 2814 Edison St NW Uniontown, OHIO 44685-7210 Belmont County ad In Rpb On Internet Swiss Lands Realty 45325 State Route 78 Woodsfield, OHIO 43793-9440 affordable Country Acreage... JJ Detweiler Enterprises, Inc. 2814 Edison St NW Uniontown, OHIO 44685-7210 bruner Land Co. Bruner Land Company P.O. Box 98 Byesville, OHIO 43723-0098 These are the latest display ads from Rural Property Bulletin . Subscribe here. SPONSORED RESULTS 1. Looking For OHIO? Find Ohio and more at Lycos Search. No clutter, just answers. Lycos ? Go Get It! http://www.lycos.com 2. Find OHIO at eBay Looking for Ohio? eBay has great deals on new and used electronics, cars, apparel, collectibles, sporting goods and more. If you can?t find it on eBay, it probably doesn?t exist. http://www.ebay.com 3. Shop for OHIO Looking for Ohio? MonsterMarketplace shopping directory has Ohio and everything else you?re looking for at one secure online location. Click to view top selling Ohio. http://www.monstermarketplace.com 4. Research OHIO at HighBeam. View free full-text articles and free premium archive previews at HighBeam Research. Find, organize and share information from 1,000s of trusted business, consumer and reference publications. http://www.highbeam.com ©1998-2005 - LandAndFarm.com - Contact Us - Privacy Notice - Disclaimer - UserAgreement - Advertise With Us
Home Equity Loans -
Home Equity Loans - Agony or Ecstasy You are here: About > Money > Credit / Debt Management > Getting Money and Credit > Mortgage & Equity Loans > Home Equity Loans - Agony or Ecstasy Money Credit / Debt Essentials Credit And Credit File Fundamentals Basics Of Reducing Debt Credit and Debt Workshop Fast Financial Independence Debt Counseling Primer Articles & Resources Bankruptcy & Settlement Budgeting & Frugality Credit Law Credit Reports and Scoring Debt Counseling Debt Reduction Financial Planning Fraud and Protection Getting Money and Credit Learning About Money Smart Shopping Students and Education Tips, Essentials, Archives Buyer's Guide Before You Buy Top Picks Guide Picks - Top Books On Credit & Debt Compare Insurance Carriers Compare Utility and Loan Providers Product Reviews Forums Help FREE Newsletter Sign Up Now for the Credit / Debt Management newsletter! See Online Courses Search Credit / Debt Management Stay up to date! Email to a friend Print this page Suggested Reading Biweekly Mortgage Payments The 'How-To' of Home Financing Mortgage Closiong Costs Suggested Reading Predatory Lenders Most Popular WARNING! Rising Minimum Payme Free Annual Credit Report Cleaner Credit Raises Scores Changes to the Bankruptcy Law Debt To Income Ratio What's Hot How To Consolidate Debt Credit / Debt Management - Articles Establishing Credit - Credit/Debt Management PayDay Loans Credit Problems.... Now What? Related Topics Frugal Living Financial Planning Online Shopping Banking / Loans Family Internet Home Equity Loans... Agony or Ecstasy From Apply Now , Your Guide to Credit / Debt Management . FREE Newsletter. Sign Up Now! Home Equity Loans - a dream come true or a living nightmare. A Home Equity Loan can be a dream come true or a living nightmare. It all depends on how you approach a home equity loan and for what reason you actually want the home equity in your hand instead of your home. If your intent is to reduce debt so that you have breathing room to pay more on other debts, a home equity loan MAY BE on the right track. However, if your objective is to have more breathing room so that you can add more debt, you are heading for a natural disaster. Basics of a Home Equity Loan - Good and Bad What is a home equity loan? A home equity loan is a second mortgage. It uses the collateral of your home to secure a loan. Good news - Because this is a secured loan, its interest is less than on many loans such as on a credit card. This is very attractive. Equally attractive is the fact that because it is a second mortgage, interest can offer a tax deduction. That's the good news. Bad news - But if a home equity loan is used to pay off unsecured debt such as a credit card, what you have done in essence is convert an unsecured debt into a secured debt with your home as the security. This is not a very sound plan. Not only that but just as when you default on your primary mortgage you could lose your home, so too you can lose your home by defaulting on your home equity loan. More bad news- Another draw back that has developed over the last few years is that often you can borrow more than your house is worth... up to 125% of the value of your home. This is called negative equity and means that if you sell the house because of a job transfer or any other reason, you must either get enough to pay off both loans or you will be paying off the home equity loan when you are trying to buy another home. Still more bad news - There is one other negative side to a home equity loan. You will have points and closing costs to get the loan just as you had when you got your first mortgage. Home Equity Warnings! Okay, so I did not scare you off with the above and you are still determined to get a home equity loan. What are the danger signs and issues to be watchful for? FTC warns: "The lender doesn't care if you can't keep up with the monthly payments. As soon as you don't, the lender will foreclose-taking your home and stripping you of the equity you have spent years building. If you take out a loan but don't have enough income to make the monthly payments, you are being set up. You probably will lose your home." Watch out for lowered payments because there is a balloon payment at the end. Balloon payments are large lump payments due as the last payment. Don't do it! Avoid home improvement cam which begin construction before any financing is settled. See Scams To Help You Lose Your Home . Avoid pre-payment penalties. If you want to pay off your loan ahead of time, you should not pay a fee to do so. A 10% prepayment fee is not uncommon... but is a lot of money. Avoid rate increases by avoiding missed or late payments. FTC Offers These Do's And Don t's: Don't agree to a home equity loan if you don't have enough income to make the monthly payments. Don's sign any document you haven't read or any document that has blank spaces to be filled in after you sign or let anyone pressure you into signing any document. Don't agree to a loan that includes credit insurance or extra products you don't want. Don's let the promise of extra cash or lower monthly payments get in the way of your good judgment about whether the cost you will pay for the loan is really worth it. Don't deed your property to anyone. First consult an attorney, a knowledgeable family member, or someone else you trust. DO ask specifically if credit insurance is required as a condition of the loan. If it isn't, and a charge is included in your loan and you don't want the insurance, ask that the charge be removed from the loan documents. If you want the added security of credit insurance, shop around for the best rates. DO keep careful records of what you've paid, including billing statements and canceled checks. Challenge any charge you think is inaccurate. Do check contractors' references when it is time to have work done in your home. Get more than one estimate. Important disclaimer information about this About site. Topic Index | Email to a Friend Our Story | Be a Guide | Advertising Info | Work at About | Site Map | Icons | Help User Agreement | Ethics Policy | Patent Info. | Privacy Policy | Kids' Privacy Policy ©2005 About, Inc., A part of the New York Times Company . All rights reserved. Around About New Video iPod - Review POLL: Must-Have Gadgets VIDEO: Portable Gaming VIDEO: Choosing a TV Hugh Hefner's Life What's Hot How To Consolidate Debt Credit / Debt Management - Articles Establishing Credit - Credit/Debt Management PayDay Loans Credit Problems.... Now What?