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Truth in Lending Act
When you apply for a home equity loan, certain information must be provided to you. The federal Truth in Lending Act (TILA) requires lenders to disclose the following: the terms and cost of the loan including the annual percentage rate, points, fees and...
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There are several home equity loan terms that can greatly increase your loan costs - you need to be aware of these terms, sometimes avoid them, and always negotiate the best deal possible. Terms to be aware of are: a pre-payment penalty, credit insurance, and interest rate...
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While most home equity loan lenders are reputable institutions operating within the law, you do need to protect yourself from the abusive lending practices of some unscrupulous lenders. Homeowners - particularly elderly, minority and those with low incomes or poor credit -...
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Interest rates can be a very useful tool when shopping for a home equity loan but they can also hurt you if they are not properly understood. There are a few key things to know about home equity loan interest rates. The annual percentage rate or APR is the most important rate....
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Any money that has been borrowed from a home equity loan or a home equity line of credit and remains unpaid at the end of the loan term is a called a balloon payment. This balloon payment is a large lump sum of money that is due when a home equity loan expires. A balloon...
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If a home is worth $100,000 and it has a $70,000 first mortgage and a $30,000 home equity loan, the loan-to-value ratio is 100%. This means that for every dollar that the home is worth, one dollar is borrowed against it.
Lenders have typically allowed home equity loans of...
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