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Mortgage Research Center : Loan and Mortgage Info Contact | Mortgage Rates | Mortgage Calculators Mortgages Refinancing Debt Consolidation Mortgage Resources Loans FHA Loan VA Loan What Type Of Loan Are You Looking For? Please Select.... VA Home Loan Home Loan VA Home Refinance Home Refinance FHA Home Loan What Is The Approximate Value Of Your Property? Welcome To The Mortgage Research Center! This site is designed to help educate you about mortgages, refinancing, debt consolidation, and various type of loans. You will be provided with comprehensive information on every aspect of the mortgage process. We will give you tips on when to refinance, what costs should be included in the closing fees when completing your mortgage, and calculators to help you determine how much you can spend and save! This is your first step in helping you achieve your financial security, so good luck! Register for the Home Buying Seminar Mortgage Refinance Find out how much you can save, when you should refinance, what type of refinancing is best for you, and other information. More Information Home Mortgage Are you buying a home? We provide you with resources to help you get all of the information you need when applying for a mortgage. More Information Debt Consolidation Determine how you can get out of debt by saving hundred's of dollars per month by combining your various payments (for credit cards, etc.). More Information Loans Looking to purchase a home with a special government loan? You may qualify for a FHA loan or VA loan. More Information Mortgage Sources We provide you with a list of reputable mortgage companies, mortgage brokers, and lenders to find one that best suits your financial needs. More Information Current Mortgage Rates Get current information on today's mortgage rates and get tips on when to lock in to a great interest rate. More Information Mortgage Calculators A variety of calculators will help you figure payments, total costs of loans, and display amortization tables and other options. More Information If you have questions or would like help with your mortgage, you can call us at 800-930-9201 . "Nathan, I wanted you to know that everything went very well at our closing. It was quite pleasant. Thank you for everything." -Vicki Ficklen Mcdonough, GA More Testimonials Equal Opportunity Lender License Information We can help you find the lender (mortgage bank) that can get you the best deal for your financial situation (including setting you up with the best financing rates and loan term). MRC does not originate loans in MA, NJ, NY, ND, PA, VT, NV, WV, or DC. If you are getting a mortgage in one of these states, we will help you by directing your information to a lender in your state. Get additional information about a VA Loan , Home Loan , or 1031 Exchange : Privacy Policy .

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BBC SPORT | Football | My Club | Morton | Morton land loan deal for McLaren Home TV Radio Talk Where I Live A-Z Index Low Graphics version | Change Edition | Help Sport Homepage Football My Club Morton Results Fixtures Tables Club Stats 606: Your Say --------------- Five Live>> --------------- Academy>> -- Daily E-mail Mobiles Fun and Games Question of Sport CHOOSE A SPORT Select ---------- Football Cricket Rugby U Rugby L Tennis Golf Motorspt Boxing Athletics Snooker Racing Cycling Disability Sport Other ------ N Ireland Scotland Wales Last Updated: Saturday, 26 February, 2005, 14:27 GMT E-mail this to a friend Printable version Morton land loan deal for McLaren Andy McLaren is a vastly experienced player Morton have completed the loan signing of Dundee United winger Andy McLaren until the end of the season. The 31-year-old former Kilmarnock and Reading player returned to Tannadice at the end of December after a loan spell at Partick Thistle. McLaren was a regular starter at Dundee United last season but fell out of the first team picture in September. He made just four starts for Partick Thistle and has not found the net since February 2004. E-mail this to a friend Printable version Links to more Morton stories In This Section Morton 2-0 Raith Rovers Peterhead 1-0 Morton Ayr United 3-2 Morton Morton 2-1 Ayr United Double celebration for St Mirren Morton 2-1 Partick Thistle Cowdenbeath 0-3 Morton Alloa Athletic 0-3 Morton Morton 4-0 Dumbarton Have your say Tune in Weather BBC Scotland BBC Sport Scottish Leagues Official club website DUNDEE UNITED Fans' Forum - Dundee Utd chat Weather BBC Scotland Official club website ALSO IN THIS SECTION Morton 2-0 Raith Rovers Peterhead 1-0 Morton Ayr United 3-2 Morton Morton 2-1 Ayr United E-mail services | Sport on mobiles/PDAs | Headlines for your site -- E-mail services | Sport on mobiles/PDAs | Headlines for your site Back to top Sport Homepage | Football | Cricket | Rugby Union | Rugby League | Tennis | Golf | Motorsport | Boxing | Athletics | Snooker | Horse Racing | Cycling | Disability Sport | Olympics 2012 | Other Sport... Video and Audio | TV/Radio Schedule | Scores & Fixtures | Have Your Say | Photo Galleries Sport Academy | Health & Fitness | Fun and Games | Question of Sport Northern Ireland | Scotland | Wales BBC Sport Academy >> | BBC News >> | BBC Weather >> About the BBC | News sources | Privacy & Cookies Policy | Contact us

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When Your Home Is on the Line: home More and more lenders are offering home equity lines of credit. By using the equity in your home, you may qualify for a sizable amount of credit, available for use when and how you please, at an interest rate that is relatively low. Furthermore, under the tax law--depending on your specific situation--you may be allowed to deduct the interest because the debt is secured by your home. If you are in the market for credit, a home equity plan may be right for you. Or perhaps another form of credit would be better. Before making a decision, you should weigh carefully the costs of a home equity line against the benefits. Shop for the credit terms that best meet your borrowing needs without posing undue financial risk. And remember, failure to repay the amounts you've borrowed, plus interest, could mean the loss of your home. What is a home equity line? What should you look for? How will you repay your home equity plan? Lines of credit vs. traditional second mortgage loans Disclosures from lenders What is a home equity line of credit? A home equity line of credit is a form of revolving credit in which your home serves as collateral. Because the home is likely to be a consumer's largest asset, many homeowners use their credit lines only for major items such as education, home improvements, or medical bills and not for day-to-day expenses. With a home equity line, you will be approved for a specific amount of credit--your credit limit , the maximum amount you may borrow at any one time under the plan. Many lenders set the credit limit on a home equity line by taking a percentage (say, 75 percent) of the home's appraised value and subtracting from that the balance owed on the existing mortgage. For example, [D] In determining your actual credit limit, the lender will also consider your ability to repay, by looking at your income, debts, and other financial obligations as well as your credit history. Many home equity plans set a fixed period during which you can borrow money, such as 10 years. At the end of this "draw period," you may be allowed to renew the credit line. If your plan does not allow renewals, you will not be able to borrow additional money once the period has ended. Some plans may call for payment in full of any outstanding balance at the end of the period. Others may allow repayment over a fixed period (the "repayment period"), for example, 10 years. Once approved for a home equity line of credit, you will most likely be able to borrow up to your credit limit whenever you want. Typically, you will use special checks to draw on your line. Under some plans, borrowers can use a credit card or other means to draw on the line. There may be limitations on how you use the line. Some plans may require you to borrow a minimum amount each time you draw on the line (for example, $300) and to keep a minimum amount outstanding. Some plans may also require that you take an initial advance when the line is set up. What should you look for when shopping for a plan? If you decide to apply for a home equity line of credit, look for the plan that best meets your particular needs. Read the credit agreement carefully, and examine the terms and conditions of various plans, including the annual percentage rate (APR) and the costs of establishing the plan. The APR for a home equity line is based on the interest rate alone and will not reflect the closing costs and other fees and charges, so you'll need to compare these costs, as well as the APRs, among lenders. Interest rate charges and related plan features Home equity lines of credit typically involve variable rather than fixed interest rates. The variable rate must be based on a publicly available index (such as the prime rate published in some major daily newspapers or a U.S. Treasury bill rate); the interest rate for borrowing under the home equity line changes, mirroring fluctuations in the value of the index. Most lenders cite the interest rate you will pay as the value of the index at a particular time plus a " margin ," such as 2 percentage points. Because the cost of borrowing is tied directly to the value of the index, it is important to find out which index is used, how often the value of the index changes, and how high it has risen in the past as well as the amount of the margin. Lenders sometimes offer a temporarily discounted interest rate for home equitylines--a rate that is unusually low and may last for only an introductory period, such as 6 months. Variable-rate plans secured by a dwelling must, by law, have a ceiling (or cap ) on how much your interest rate may increase over the life of the plan. Some variable-rate plans limit how much your payment may increase and how low your interest rate may fall if interest rates drop. Some lenders allow you to convert from a variable interest rate to a fixed rate during the life of the plan, or to convert all or a portion of your line to a fixed-term installment loan. Plans generally permit the lender to freeze or reduce your credit line under certain circumstances. For example, some variable-rate plans may not allow you to draw additional funds during a period in which the interest rate reaches the cap. Costs of establishing and maintaining a home equity line Many of the costs of setting up a home equity line of credit are similar to those you pay when you buy a home. For example, A fee for a property appraisal to estimate the value of your home An application fee , which may not be refunded if you are turned down for credit Up-front charges, such as one or more points (one point equals 1 percent of the credit limit) Closing costs, including fees for attorneys, title search, and mortgage preparation and filing; property and title insurance; and taxes. In addition, you may be subject to certain fees during the plan period, such as annual membership or maintenance fees and a transaction fee every time you draw on the credit line. You could find yourself paying hundreds of dollars to establish the plan. If you were to draw only a small amount against your credit line, those initial charges would substantially increase the cost of the funds borrowed. On the other hand, because the lender's risk is lower than for other forms of credit, as your home serves as collateral, annual percentage rates for home equity lines are generally lower than rates for other types of credit. The interest you save could offset the costs of establishing and maintaining the line. Moreover, some lenders waive some or all of the closing costs. How will you repay your home equity plan? Before entering into a plan, consider how you will pay back the money you borrow. Some plans set minimum payments that cover a portion of the principal (the amount you borrow) plus accrued interest. But (unlike with the typical installment loan) the portion that goes toward principal may not be enough to repay the principal by the end of the term. Other plans may allow payment of interest alone during the life of the plan, which means that you pay nothing toward the principal. If you borrow $10,000, you will owe that amount when the plan ends. Regardless of the minimum required payment, you may choose to pay more, and many lenders offer a choice of payment options. Many consumers choose to pay down the principal regularly as they do with other loans. For example, if you use your line to buy a boat, you may want to pay it off as you would a typical boat loan. Whatever your payment arrangements during the life of the plan--whether youpay some, a little, or none of the principal amount of the loan--when the plan ends you may have to pay the entire balance owed, all at once. You must be prepared to make this " balloon payment " by refinancing it with the lender, by obtaining a loan from another lender, or by some other means. If you are unable to make the balloon payment, you could lose your home. If your plan has a variable interest rate, your monthly payments may change. Assume, for example, that you borrow $10,000 under a plan that calls for interest-only payments. At a 10 percent interest rate, your monthly payments would be $83. If the rate rises over time to 15 percent, your monthly payments will increase to $125. Similarly, if you are making payments that cover interest plus some portion of the principal, your monthly payments may increase, unless your agreement calls for keeping payments the same throughout the plan period. If you sell your home, you will probably be required to pay off your homeequity line in full immediately. If you are likely to sell your home in the near future, consider whether it makes sense to pay the up-front costs of setting up a line of credit. Also keep in mind that renting your home may be prohibited under the terms of your agreement. Lines of credit vs. traditional second mortgage loans If you are thinking about a home equity line of credit, you might also want to consider a traditional second mortgage loan. A second mortgage provides you with a fixed amount of money repayable over a fixed period. In most cases the payment schedule calls for equal payments that will pay off the entire loan within the loan period. You might consider a second mortgage instead of a home equity line if, for example, you need a set amount for a specific purpose, such as an addition to your home. In deciding which type of loan best suits your needs, consider the costs under the two alternatives. Look at both the APR and other charges. Do not, however, simply compare the APRs, because the APRs on the two types of loans are figured differently: The APR for a traditional second mortgage loan takes into account the interest rate charged plus points and other finance charges. The APR for a home equity line of credit is based on the periodic interest rate alone. It does not include points or other charges. Disclosures from lenders The federal Truth in Lending Act requires lenders to disclose the important terms and costs of their home equity plans, including the APR, miscellaneous charges, the payment terms, and information about any variable-rate feature. And in general, neither the lender nor anyone else may charge a fee until after you have received this information. You usually get these disclosures when you receive an application form, and you will get additional disclosures before the plan is opened. If any term (other than a variable-rate feature) changes before the plan is opened, the lender must return all fees if you decide not to enter into the plan because of the change. When you open a home equity line, the transaction puts your home at risk. If the home involved is your principal dwelling, the Truth in Lending Act gives you 3 days from the day the account was opened to cancel the credit line. This right allows you to change your mind for any reason. You simply inform the lender in writing within the 3-day period. The lender must then cancel its security interest in your home and return all fees--including any application and appraisal fees--paid to open the account. The material on this site is adapted from the brochure "When Your Home Is on the Line." Single or multiple copies of the brochure are available without charge. Order the brochure by telephone, mail, or fax . Order on line . Glossary | Where to go for help | Checklist Home | Consumer information | Publications | Brochures Accessibility To comment on this site, please fill out our feedback form. Last update: July 25, 2001

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