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MSN Money - The hazards of some home-equity loans MSN Home Hotmail My MSN Sign In Money S earch MSN Money: Help Home News Banking Investing Planning Taxes My Money Portfolio Loans Insurance Banking Home My Accounts Bill Pay Mortgages/Loans Services Credit Reports Financial Tools Track your bills Resources Decision Centers Home Buying Guide Home Financing Your Credit Rating Financial Privacy Better Banking Credit Card Smarts Bankruptcy Guide Commentary Index Related Links Manage Debt More on Budgeting Print-friendly version Send this to a friend See where rates stand Calculate your debt burden here Find a home-equity loan Find books on home buying Find It! Article Index Finance Q&A Tools Index Site Map Don't get fooled by the "special programs" offer mentioned in advertisements. Today's homeowners have forgotten -- or never learned -- the lessons of their grandparents. Recent articles by Terry Savage: • How to limit divorce's financial sting , 1/5/2003 • 5 financial steps to help your aging parents , 1/5/2003 • Prepare for the unthinkable: long-term care , 1/5/2003 More... The Basics The hazards of some home-equity loans advertisement What looks like an easy way out of debt could one day put your family out on the street. Get the facts behind those enticing ads for 125% home-equity loans before you put your home on the line. By Terry Savage What looks like a great deal, but could turn out to be the most devastating financial decision of your life? It's when you consolidate credit-card debt by taking out home-equity loans for more than the value of your house, sometimes for up to 125% of the home's value. Unlike traditional home-equity loans that rely on the equity you've built up in your home, these loans aren't tax deductible and usually carry higher interest rates. Find a loan that's right for you at the Loan Center By television, direct mail and now by e-mail, lenders are pushing you to consolidate your credit-card debt by borrowing on your home. Here's the text of an actual e-mail I received recently: Consolidate Debt, Refinance Your Home or Put Cash In Your Pocket! We Have Special Programs with rates starting as low as 2.5% APR 7.22% Special Programs for Self-Employed Borrowers Previous Bankruptcies or Foreclosures OK!! Debt Consolidation - pay off high-interest debts and get the cash you need Second Mortgages - get 125% of your home's value. The television commercials make it look easy and enticing. A top athlete, like quarterback Dan Marino, offers you the chance to cut your monthly payments, pay off your credit cards and take out extra cash to remodel your kitchen or go on a vacation. But think twice. It's important to understand the risks, as well as the attraction, of those lower monthly payments. For some, this is the way to go For many people, a home-equity loan is indeed the smart way to borrow. The interest rate is typically lower, and the interest is tax deductible. Plus, home-equity loans are amortized over about 15 years vs. about four years for credit cards. That means the monthly payment on a home-equity loan is far lower than a minimum required credit-card payment. For example, if you owe $10,000 on your credit card at 15%, you'll probably have a monthly payment of $278. But the same amount owed at 15% on a home-equity loan that's amortized over 15 years results in a monthly payment of only $140. The more you owe, the more enticing a home-equity loan looks. At $20,000 in debt in the same scenario, the home-equity loan costs $280 a month, while the credit card and/or auto debt requires a $557 monthly payment. The trouble comes when people borrow all their home equity to pay off their debts, but they haven't learned how to manage their money well enough to avoid running up credit-card debts and auto-loan debts again. In fact, the lenders have a name for this process: It's called "reloading." Then, if the economy slows or one of the breadwinners loses a job, the next time you get into credit-card trouble, you could actually lose your house. Statistics from the Mortgage Bankers Association underscore the problem. The percentage of homes foreclosed in 1998 was 1.16%, about double the rate of the terrible recession years of the early 1980s, when 0.59% of homes were in foreclosure. The rising foreclosure rate comes even as bankruptcy rates remain high, with 1.2 million filings in 1999. But as people try to avoid bankruptcy, they're increasingly taking out home-equity loans to pay off their other bills. As a result of those home-equity loans (and new mortgage programs designed to help people buy homes with down payments of less than 5%), Americans have a lower percentage of equity in their homes than at any time in history. Essentially, an unsecured loan The real kicker comes if you borrow past the value of your home. Unlike home-equity loans, these loans usually are not considered tax deductible. The law says that all interest on a first mortgage (of up to $1 million) is deductible. And interest on up to $100,000 of a second mortgage or home-equity loan also is deductible. By law, interest on any part of a loan that exceeds 100% of the value of your home is not deductible. In addition, lenders typically charge higher rates, because you've essentially taken out an unsecured loan. An unsecured loan means there is no collateral in case you default on the loan. A mortgage for up to the value of your home is "secured" by the home itself. Many lenders charge interest rates seven or eight percentage points higher than traditional mortgages. In some cases, that's twice what you'd pay for a regular mortgage or home-equity loan. Don't get fooled by the "special programs" offer mentioned in advertisements like the one I mentioned earlier, either. They're either introductory loans, which require large "balloon payments" several years later, or adjustable rate loans in which the rates -- and the payments -- can increase every year. As long as the loan is repaid, it's very profitable. And the lenders know that paying off mortgage or home-equity loans takes a high priority in a consumer's mind, so the default rate is far lower than on unsecured credit-card lending. SMR Research, a financial industry market-research firm, reports that about 30% of all home-equity loans are sub-prime. That is, these are loans made to borrowers who are considered a poor credit risk -- the very people most likely to be caught in the crunch when the economy turns down. Bankruptcy: the only escape The greatest danger for those who fall for this pitch is the fact that they've put their home on the line. If they fail to make the payments, the lender can force the home to be sold in a foreclosure proceeding. The grantor of the original mortgage must be paid off first; then the home equity lender collects what's left from the sale price. And if there's not enough equity to repay the home equity lender, a default judgment will be entered against the borrower for the difference. The only escape is bankruptcy. The generation that went through the Great Depression of the 1930s learned the hard way not to borrow against the family home. So many people lost their homes that by 1935, banks categorized 20% of all mortgages as "real-estate owned" -- that is, foreclosed. But today's homeowners have forgotten -- or never learned -- the lessons of their grandparents. Rising home prices have tempted homeowners to count home equity as a source of ready cash. But that kind of home equity borrowing should only be done as part of an overall financial plan and a disciplined approach to money management. Otherwise, today's easy way out of debt could one day put your family out on the street. Editors' choice Don't get scammed by your mover Safeguard your Social Security number 5 ways to tap into the onshore drilling boom Your checkbook just became obsolete Turn $1 a day into $67,815 Readers' choice Ratings Top 5 Articles 9.30 Zombie debt collectors dig up your old mistakes 9.24 Keep thieves out of your bank account 9.22 Credit reports now free for entire U.S. 9.19 10 ways to avoid outrageous hospital overcharges 9.17 Tax breaks for Katrina victims -- and all of us View all top rated articles More Resources · E-mail us your comments on this article · Post on the Your Money message board · Get a daily dose of market news S earch MSN Money tips advertisement MSN Money's editorial goal is to provide a forum for personal finance and investment ideas. Our articles, columns, message board posts and other features should not be construed as investment advice, nor does their appearance imply an endorsement by Microsoft of any specific security or trading strategy. An investor's best course of action must be based on individual circumstances. © 2005 Microsoft MSN Privacy Legal Advertise Feedback Help

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B2B Real Estate Investment Opportunities in the Yahoo! Directory Search: the Web | the Directory | this category B2B > Real Estate Investment Opportunities Email this page Suggest a Site Advanced Search Directory > Business and Economy > Business to Business > Business Opportunities > Investment Opportunities > Real Estate CATEGORIES Real Estate Investment Trusts@ SPONSOR LISTINGS ( What's this? ) Creative Real Estate Investing - offering teaching and training in various techniques, including foreclosure, no money down, rent to own, lease option, fixer uppers, hard money loans, and more. SITE LISTINGS By Popularity | Alphabetical ( What's This? ) Sites 1 - 40 of 76 Real Estate Promo - lists local investment clubs and provides education, training, mortgage calculators, and a weekly real estate investing newsletter. Top-Invest - real estate in Germany and Citrus County, Florida, plus investment opportunitues. Offers in English and German. 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Resultsnow.com - offers free real estate investor tips, a book, a newsletter, and information on creating monthly streams of income to generate greater wealth. Fast Home Offers - offers leads for real estate investors with mortgage calculators, a glossary, and homeowner information. Tax Lien Certificates Network - for investors who buy, sell, and trade tax lien certificates. Flipping Homes - offers articles and an active newsgroup on no money down, foreclosure, rehab, fixer upper, and other forms of real estate investing. Creative Real Estate Investing [SPONSOR] - offering teaching and training in various techniques, including foreclosure, no money down, rent to own, lease option, fixer uppers, hard money loans, and more. Note Investors Group - offers programs focused on real estate investment strategy and the discounted cash flow business. B&B Online: Inns for Sale - U.S. bed & breakfast and country inns for sale. Aminoff & Co. - real estate investment opportunities. Invest In Belize - Assisting investors in the purchase, development, and management of Belize real estate and business opportunities. Exodus Island Ventures - specializes in Dominican Republic real estate investment opportunities, Caribbean luxury villa and condo development projects, and property management services. 4 Tax Lien Certificates - tax lien certificate sales and tax deed sale directories and property listings. Fuller Apartment Homes, LLC - An $8,000,000 offering of Limited Liability Company Shares to construct a 138-unit apartment home telecommunity in Bakersfield, California. Available to California Residents only. BnBForSale - features bed and breakfasts for sale. Kilimani Development Holdings - manages investments in small to medium sized residential, retail, and commercial properties in South Africa. Lennox Group, The - specializes in tax lien certificate investments, offering security through collateralized loans secured as legal liens over asset-based property. Operation Enterprise - for commercial and industrial businesses seeking competitive advantages through affordable and strategic site locations. Eastern Consolidated Properties - a commercial real estate brokerage company and commercial real estate investment banking firm. Investment Property Guide - offers advice on investment property in Spain, Dubai, France, Portugal, Thailand, Cyprus, and the United States. Nosy B Resort Hotels Construction Project - features construction plans and information about Andilana, Palm Beach, and Nosy Iranja resort hotels off the north coast of Madagascar. Seaquest Ventures Real Estate, BizOps & Telecommunications Abode Federal Foreclosed Homes - provides reports on homes for sale through bank and government institutions. Euroasian Equities Limited - international mortgage banking, equity capital, and project financing. Ted Thomas Tax Lien Certificates - offers a audio interview and a wealth conference tele-seminar. Results Page: 1 2 Next B2B > Real Estate Investment Opportunities Email this page Suggest a Site Advanced Search Directory > Business and Economy > Business to Business > Business Opportunities > Investment Opportunities > Real Estate Search: the Web | the Directory | this category

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California Mortgage Loan, California Home Buyers, Home Refinancing We've Got Your Loan! California mortgage loan source offering real estate financing for California home buyers and home owners Easy Pre-App l Refinance Loans l Home Equity Loans l Home Buying l No Equity Loans Rates are down, Opportunities are UP↑ Apply Now by Clicking Here Loans up to 125% of home value- even if there's no equity! Click here to Catch the CASH! Responding to an advertisement or flyer? Click Here Questions? Send us an e-mail info@LoanBiz.com LoanBiz.com provides first and second mortgage loans to California home buyers and home owners with all types of credit and financial needs. With our vast lender network, we are able to offer some of the lowest A credit mortgage rates as well as competitively priced non-conventional programs for borrowers with special income or credit needs. We provide mortgage loans for home buying, home refinancing, investment properties, debt consolidation, home improvements, or cash out for any purpose. Learn more about LoanBiz.com - Your California Mortgage Loan Source - Ready to buy that dream home? LoanBiz.com offers 100% home financing- even if your credit is not perfect! - Already a homeowner? The answer to your money problems may be right under your roof! Apply for a second mortgage and borrow up to 125% of your home value! Cash out may be used for any purpose. - Could you use a little CASH? Take advantage of today's low rates and refinance your existing mortgage! Convert your ARM into a fixed rate, or reduce your term from 30 to 15 or 20 years! - How much money can you save with a debt consolidation loan? Find out by checking out our calculator section. - Looking for a particular topic? Check out our site directory for your roadmap to LoanBiz.com - Have questions that don't seem to be covered? Send us an e-mail at info@loanbiz.com One of our agents will get back to you quickly - Click Here to APPLY NOW ! Take advantage of LoanBiz.com low rates and Fast Funding Time! Home Equity Loans If a borrower has established home equity, the loan is referred to as a second mortgage or home equity loan- up to 100% of the home value. Home owners wanting to utilize their home equity have the option of a second mortgage loan or a home equity line of credit (HELOC). Refinance Loans A Refinance Loan is simply taking out a new mortgage loan. If you are considering a home loan refinance, the first steps are to determine your short and long term goals and then to evaluate the different types of home refinance loan programs available. No Equity Loans No equity loans- also referred to as 125 second mortgage loans, are a way in which homeowners may borrow up to 125% of the current appraised value of their home. No Equity means that the homeowner can borrow money even if he/she has no equity established in the home. MoneyCentral Stock Quote Enter Symbol Career Opportunities LoanBiz, Inc. is licensed by the California Department of Real Estate #01327155. 22603 La Palma Avenue, Ste 307, Yorba Linda, CA 92887 1998-2004 LoanBiz, Inc. All rights reserved. Links: California Department of Real Estate I California Association of Mortgage Brokers California Association of Realtors I Orange County Association of Realtors San Diego Association of Realtors I Corona- Norco Association of Realtors National Assn. Mortgage Brokers I Home Loans I California FHA Loans I Home Selling Mortgage Insurance I Southern California Home Values I Rand Housing Statistics CA Office of Real Estate Appraisers I Dept Housing and Urban Development (HUD) Closing Cost Rebates I Southern California Real Estate This Site Managed By Innomarks, Inc.

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