There are times when it makes sense to
refinance  your mortgage. It's important to have
a clear financial objective in mind so that you're
more able to choose the most appropriate loan.
Ultimately, the decision is up to you to decide
when it's best for you to refinance, based on
your individual financial situation.

Refinance from an Adjustable Rate Mortgage (ARM) to a Fixed-Rate

It's important to consider what mortgage rates are doing. Since
mid-2004, the Federal Reserve has raised interest rates  several
times and is expected to keep raising rates in the near future.
This means that if you have an adjustable rate mortgage (ARM), it
may adjust to a rate that's higher than a fixed-rate mortgage . Now
might be a good time to consider refinancing to a fixed-rate loan.

However, you must also consider the amount of time you plan on
being in your home. If you're only going to be in your home for a
few more years, it may make sense not to refinance out of your
ARM. If you're going to be in your home longer than seven years,
it might be a smart move to refinance to a fixed-rate mortgage.

Refinance from a Fixed-Rate Mortgage to an ARM
Again, you need to consider how long you plan on being in your
home. Many people move within nine years so it may not make
sense to pay a higher interest rate for a 30-year fixed-rate
mortgage when you're not going to be in the home that long.
Doing so may be costing you money. Consider refinancing to an
ARM instead — you'll get a lower rate and lower your monthly
mortgage payment.

Lower Your Monthly Mortgage Payment

A drop of just one half to three quarters of a percentage point in
interest  can lower your monthly payment. If you don't refinance,
you may be paying too much every month for your loan, and that's
never a good financial move. There are a few different ways you
can lower your monthly mortgage payment.

First, you can simply refinance to a lower interest rate. A lower
rate generally means a lower monthly payment.

Second, you can change the term of your mortgage. For instance,
if you have a 15-year mortgage, you can lengthen the term to 30
years. Since the balance of your mortgage is spread out over a
longer period of time, your payment is lower. However, if you
have a 30-year mortgage and one of your financial goals is long-
term savings, you may want to consider shortening your term to
20 or even 15 years. Your payment will be higher, but you will pay
much less in interest over the life of the loan, saving you
thousands of dollars in the long run.

The third way to lower your payment is to refinance to an interest-
only loan. Basically, with an interest-only loan, the minimum
amount you are required to pay is the amount of interest for a
certain period of time, though you can pay as much principal as
you like. But you get the flexibility to pay less if you need or want
to divert your money elsewhere, such as contributing to your
401k or saving for your child's college tuition.

Use our refinance calculator to see how you could lower your
monthly mortgage payment.

Getting Cash from Your Home

The equity  you have in your home can act like a savings account
that you could access through a home equity loan  or a cash-out
refinance. This is usually done when you want to finance an
important home improvement, pay for college or pay off high-
interest credit card debt. Whatever your reason, this may be the
right option for you.

Consolidating High-Interest Credit Card Debt

The difference between credit card debt and a mortgage can,
financially speaking, mean thousands of dollars. Why? Because
unlike your mortgage, the interest you pay on a credit card is not
tax-deductible and you pay a higher rate than you would on your
mortgage. Because of this, credit card debt is often referred to
as "bad debt" whereas your mortgage is considered "good debt."
Using your home equity to pay off your high-interest credit card
debt can save you money in the long run. Using your home
equity, rather than your credit cards, to finance expensive
purchases can also be a smart move. Be sure to consult your tax
advisor.

Deciding on when to refinance your mortgage will depend on the
circumstances of your situation: how long you'll be in the home,
what your financial goals are, whether interest rates are
dropping, etc. It's up to you to decide if it's right for you.

Refinance perhaps to remove a co-signer or to cash-out home
equity to be able to taking care some other businesses.

If you still have questions, please call us at 786-709-6577 to talk to
a refinance expert today. We can help you determine which
refinancing option is best for your situation. WITH VISION
MORTGAGE BANK, EVERYTHING WILL BE BETTER FOR YOU!
Refinancing is to take advantage of lower
interest rates to reduce the monthly
mortgage payments, or to reduce the total  amount of
interest rates over the life of your loan, pay-off your loan faster
by reducing the term of the loan, Cash out the home equity to
consolidate your high interest debts, to make improvement in
your property to increase the enjoyment of your home as well to
increase property value,

Equity cash out can be also to realize a longtime dream, Home
equity can also be used to open a personal  business.

Contact us to discover how we can help build your dream into
reality with the financing solution we offer. We clarify and
simplify the home buying process! If you ever dreamed of
owning your own home, or another home , or an investment
property. Let us make it a
reality. If you're currently owned a home, but have questions
regarding your mortgage let us analyse the loan to  see what
can be done, or to see if it is suitable to your current situation.
KNOWLEDGE FINANCIALGROUP.COM
REVERSE MORTGAGE; LEARN MORE!
NO MORTGAGE PAYMENTS EVER AGAIN: IF YOU OWNED A HOME AS YOUR
PERSONAL RESIDENCE.

TO IMPROVE YOUR QUALITY OF LIFE AND LIVE WITH NO STRESS!

IF YOU'RE 62 YEARS OF AGE OR OLDER, YOU CAN ACHIEVE THIS, THROUGH
A REVERSE MORTGAGE,
REGULATED BY THE U.S. GOVERNMENT.

YOU CAN ACCESS THE EQUITY OF YOUR PROPERTY, IN A LUMP AMOUNT,
LINE OF CREDIT OR MONTHLY PAYMENTS.

NO MONTHLY MORTGAGE PAYMENTS

REMAIN IN YOUR HOME

RETAIN OWNERSHIP OF YOUR PROPERTY

NO CREDIT OR INCOME REQUIREMENTS.

FOR AN INITIAL CONSULTATION TO FULLY REVIEW YOUR OPTIONS. ----
REAL ESTATE FINANCING:
HOW AND WHERE TO FIND MONEY TO BUY A
PROPERTY

PRE-QUALIFICATION
MORTGAGE LOAN PRE-QUALIFICATION, LOW
INTEREST RATES. CLICK HERE

HOME REFINANCING
RATES ARE STILL NEAR HISTORIC LOWS
IT MAY BE A GOOD TIME NOW TO REFINANCE!
LEARN MORE...
HOMES REFINANCING
FLORIDA REAL ESTATE FOR SALE: Search for properties in any city
Right Here, Right Now! Fast, Easy and Simple. Click Here to Search...
WHAT GUIDELINES ARE REQUIRED FOR A MORTGAGE
LOAN?
Mortgages are used by individuals and businesses
wishing to make large value purchase of real estate
without payment the entire value of the purchase up
front. Mortgages are also known as lien against
property, or claims on property. Mortgage is a legal
agreement that creates an interest in a real estate
property between borrower and the lender.

HOW TO UNDERSTAND THE HOME LOAN PROCESS?
Understand that in order to finance or refinance a
loan the lender requires documentation to verify and
substantiate your employment, credit and financial
situation to assure its investors
that you have the ability to repay the MONEY.

MORTGAGE HOUSE: HOW AND WHERE TO FIND
MONEY TO BUY A PROPERTY? Financing your real
estate investment; easy Steps, Fast & Simple.


PRE-QUALIFICATION: The first step, and most
important step in buying a home: Is getting Pre-Qualify
for a home loan.

MORTGAGE CALCULATOR: EASY WAY TO CALCULATE
MORTGAGES
This calculator is intended solely for general
information and educational purposes. It is not intend
in any way as financial, securities,insurance,taxes or
legal advice or as a solicitation for any financial..

Federal Housing Administration {FHA} Mortgage Loan
Programs Information Center.
Housing Finance Authority of Miami dade, Monroe,
Broward, and Palm Beach County

HOME REFINANCING: 10 GREAT REASONS TO
REFINANCE A PROPERTY. NOW IT'S THE BEST TIME
FOR REFINANCING, THE INTEREST RATE IS VERY LOW.

MORTGAGE LOAN MODIFICATION PROGRAMS; AN
ALTERNATIVE TO REDUCE MONTHLY MORTGAGE
PAYMENT, TO AVOID FORECLOSURE, TO SAVE YOUR
CREDIT RATING, TO SAVE YOUR PROPERTY.

Understanding Your Mortgage Statement / TERMS &
TERMINOLOGY.
Mortgage statements come in many different forms

VIEW  A SAMPLE OF A MORTGAGE STATEMENT AND
LEARN MORE...
Mortgage statements come in many different forms.

HUD HOMES: GOVERNMENT HOMES AND
FORECLOSURE PROPERTIES ARE AVAILABLE BELOW
MARKET VALUE!

REVERSE MORTGAGE
NO MORTGAGE PAYMENTS EVER AGAIN: IF YOU
OWNED A HOME AS YOUR PERSONAL RESIDENCE. TO
IMPROVE YOUR QUALITY OF LIFE AND LIVE WITH NO
STRESS!
IF YOU'RE 62 YEARS OF AGE OR OLDER, YOU CAN
ACHIEVE THIS, THROUGH A REVERSE MORTGAGE,
REGULATED BY THE U.S. GOVERNMENT.

FINANCING YOUR REAL ESTATE INVESTMENT; BUYING
YOUR FIRST, SECOND, AND OR THIRD PROPERTY.
HOW AND WHERE TO FIND MONEY? CLICK RIGHT
HERE!

FHA: F H A MORTGAGE LOANS, THE GOVERNMENT IS
THERE TO HELP YOU PURCHASE YOUR HOME. PLEASE
CONTACT US WE WILL SHOW YOU THE  WAY .

MORTGAGE LOAN PRE-QUALIFICATION, LOW INTEREST
RATES,
8 Reasons to Get Pre-Approved for a Home Loan.
Learn why pre-approval is one of the smartest moves
you can make when shopping for a home

Subprime Mortgage
        A type of mortgage that is normally made out to
borrowers with lower credit ratings. As a result of the
borrower's lowered credit rating, a conventional
mortgage is not offered because the lender views the
borrower as having a larger-than-average risk of
defaulting on the loan.

FINANCING YOUR REAL ESTATE INVESTMENT; BUYING
YOUR FIRST, SECOND, AND OR THIRD PROPERTY.
HOW AND WHERE TO FIND MONEY? CLICK RIGHT
HERE!

RENTAL PROPERTY / COMMERCIAL REAL ESTATE /
COMMERCIAL LEASE Tips for Making Solid Business
Agreements and Contracts
''Mortgage Home Loans Pre-qualification
Made Easy: Conventional Loans, VA Loans,
USDA Home Loans, FHA Mortgage Loans.
How to Get Pre-Approved for a Mortgage
Home Loan....
http://www.knowledgefinancial.blogspot.com
'' Mortgage Home Loan Pre-Approval Process Made
Easy By Anthony Jeanty From: Buy Here Market
Enterprise.  

'' Mortgage Pre-Approval Q&A - Getting
Pre-Approved for a Loan.''-
''Pace Financing Program''

What is PACE?
(Property Assessed Clean Energy)
---------------

PACE (Property Assessed Clean Energy) is a
simple and effective way to finance energy efficiency, renewable
energy, and water conservation upgrades to buildings.

PACE can pay for new heating and cooling systems,
lighting improvements, solar panels, water pumps, insulation,
and more for almost any property – homes, commercial,
industrial, non-profit, and agricultural.

PACE financing stays with the building upon
sale and is easy to share with tenants. State and
local governments sponsor PACE financing to create jobs,
promote economic development, and protect the environment.
----------------

PACE provides 100% of the funds you
need to purchase efficient equipment such as water heaters,
insulated windows and doors, efficient roofing, solar panels, and
more. Find a local PACE program for details on eligible
improvements for your home
---------------
PACE for Homeowners
Reduce your energy
bills with 100%
financing
-------------
PACE programs offer long-term
private financing for renewable energy and
energy efficiency upgrades to homes and
businesses.
------------------------
PACE financing
Property Assessed Clean
Energy (PACE) is a means of financing
energy efficiency upgrades or renewable energy
installations for residential, commercial and
industrial property owners.

Depending on state
legislation, PACE can be used to finance
water efficiency products, seismic retrofits, and
hurricane preparedness measures.
=======

Examples of energy efficiency and renewable
energy upgrades range from adding more attic
insulation to installing rooftop solar panels for
residential projects and chillers, boilers, LED
lighting and roofing for commercial projects.
     
In areas with PACE legislation in
place, governments offer a specific
bond to investors or in the case of the
open-market model, private lenders provide
financing to the building owners to put towards
an energy retrofit.

------------------ENERGY.GOV  == PACENATION.COM
The loans are repaid over the selected term
(over the course of somewhere between 5 and
25 years) via an annual assessment on their
property tax bill.

PACE bonds can be municipal
financing districts, state agencies or finance
companies and the proceeds can be used to
retrofit both commercial and residential
properties
--------------
Pace Financing
With the pace financing money, you can
do all that and even much more...
Insulation in walls, roofs, attics, floors, foundations, and heating
and cooling distribution systems; Storm windows and doors,
multi-glazed windows and doors, heat-absorbing or
heat-reflective windows and doors, and other window and door
improvements designed to reduce energy consumption;

Automatic energy control systems; Heating, ventilating, or air
conditioning distribution system modifications and
replacements; Caulking and weatherstripping;

Replacement or modification of lighting fixtures to increase
energy efficiency of the lighting system without increasing the
overall illumination of the building unless the increase in
illumination is necessary to conform to applicable state or local
building codes; Energy recovery systems; and Daylighting
systems.
What is PACE?
PACE allows property owners to receive up-front
financing for qualifying improvements. Property owners
voluntarily agree to the program terms for financing
qualifying improvement projects, and repay through a
non-ad valorem special assessment added to their
property tax bill.

Qualifying improvements include: rooftop solar panels,
solar water heater, energy efficient air conditioning
unit, cool roof, impact windows, insulation, and more. In
general, most products that can be permanently affixed
to a property and reduce on-site electric usage, assist
in hurricane protection, and/or produce onsite
renewable electricity. For questions regarding specific
qualifying improvements, contact the individual PACE
Providers.

There may be other types of financing available to the
property owners and Broward County does not
guarantee that the PACE program is the best financing
option. Property owners should obtain help in selecting
the option that is most appropriate for their particular
financial situation.
----------------
Florida Pace Program
How it Works ?
-------------------
Property Assessed Clean Energy (PACE) is a way for qualified
property owners in subscribed communities to finance energy
efficiency, renewable energy and wind-hardening improvements
through a long-term property assessment
---------------

How it Works
The Florida PACE Funding Agency has been
designed to encourage local governments to
subscribe to its statewide, uniform program rather than pursue
purely local efforts that would likely not be able to achieve the
economies of scale anticipated by the Agency.

It is believed that such a subscription approach will be attractive to
create markets with little or no cost to local government treasuries.
No special assessment will be imposed on any property for the cost
of qualifying improvements unless all owners of the property
voluntarily agree to allow the assessment to be imposed pursuant
to a financing agreement entered into by the property owners and
the local government.

The Florida PACE Funding Agency
provides a means to validate and provide certainty as to
the nature of the non-ad valorem assessments and the impact or
reaction from mortgage lenders doing business in Florida, as well
as the ability to only issue bonds on an as-needed basis to
underwrite energy efficiency, renewable energy and wind
resistance improvements.

Key points of the program that serve as benefits to local
governments include:

•        No subscription activity with local governments or provision
of assessments to willing property owners will take place unless
and until a successful statewide validation in Florida has been
completed by the Florida PACE Funding Agency.

•        This unique platform will allow for local
governments to participate in the advantages of
the PACE programs and access capital markets, without
having to implement or deploy individual programs or individually
seek capital for their constituents.

•        The Agency will not provide its services within the jurisdiction
of any local government that does not desire and request to
cooperatively enter into a subscription agreement.

•        The Agency’s charter, any future subscription agreements with
local governments and the pending validation are all designed to
make it clear that no local government is responsible for the
actions or liabilities incurred by the Agency, thus providing and
confirming the insulation of liability pursuant to general law to any
participating local government.

The Florida PACE Funding Agency
Assessment Process
1. Apply, -
2. Submit the Project - 3. Project Review -
4 Project Financing - 5. Complete The
Project
------------Floridapace.gov
PACE Financing in Miami Dade County
Summary         
Note: In 2010, the Federal Housing Finance Agency (FHFA), which has
authority over mortgage underwriters Fannie Mae and Freddie Mac,
directed these enterprises against purchasing mortgages of homes with a
PACE lien due to its senior status above a mortgage.

Most residential PACE activity subsided following this directive; however,
some residential PACE programs are now operating with loan loss reserve
funds, appropriate disclosures, or other protections meant to address
FHFA's concerns.

Commercial PACE programs were not directly affected by FHFA’s actions, as
Fannie Mae and Freddie Mac do not underwrite commercial mortgages. Visit
PACENow for more information about PACE financing, and for a
comprehensive list of all PACE programs across the country.

In November 2010, the Miami-Dade County Board of County Commissioners
adopted Ordinance No. 10-78, creating the Voluntary Energy Efficiency and
Renewable Energy Program, which could be adopted by municipalities
within the County. In July 2016, the Board approved Resolution R-734-16,
which extended PACE to the unincorporated areas of the County.

The 2016 Resolution also approved agreements between the County and
Green Corridor Property Assessment Clean Energy District (Green Corridor)
and its administrator, Ygrene Energy Fund Florida. Per the terms of the
agreement, Ygrene will administer the County's PACE program on its behalf
and with participation from the County.
---------------


--------------------------
PACE Program
Property Assessed Clean Energy (PACE) Financing in Palm Beach Florida

Improve your home, and take your time paying ...
Looking for Home Improvement - Get Help Finding Financing
IF YOU NEED HELP TO SELL YOUR REAL ESTATE
PROPERTY  IN SOUTH  FLORIDA; PLEASE
CONTACT.  ANTONY A PROFESSIONAL REALTOR.  
- - - Fortune Int Realty. ---  CLIENTS COMPLETE
SATISFACTION GUARANTEED !

HOME-SELLING - -' -REAL ESTATE SERVICES--  
HOME-BUYING   -- REAL ESTATE INFO.----    
- --TIPS FOR HOME BUYERS -- Top 10 Home Buying
Mistakes To Avoid--  
Tapping Your Home Equity for Cash With The Trump Tax Law Is Something To Reconsider...
Rising home prices are getting borrowers comfortable again with the idea of tapping their
homes for cash.

Home-equity lines of credit and cash-out mortgage refinances, two products that let
consumers spend the windfall of home ownership, are back in vogue with consumers.
That reflects growing confidence and is a potential benefit to the U.S. economy as
homeowners have more money to spend.

====
IRS Clarifies Home Equity Loan Tax Deductions Under New Law
The Tax Cuts and Jobs Act of 2017, which could impact homeowners in next year’s tax
filing. The IRS is taking steps to clarify what the new provisions mean for the real estate
industry and homeowners.

One of the most misunderstood provisions in the new tax law expires in 2026 and
prohibits the deduction of interest paid on home equity lines of credit and home equity
loans except when the funds are used to substantially improve the taxpayer’s home.

===
Despite newly-enacted restrictions on home mortgages, taxpayers can often still deduct
interest on a home equity loan, home equity line of credit (HELOC) or second mortgage,
regardless of how the loan is labelled.
====
Your Home As ATM LOSES Some Allure.
The tax overhaul changes the rules on detuctitibility of home-equity
For years, Americans could borrow against their homes to pay for new stuffs but the US
tax prohibited interest deductions for home equity loans and home equity lines of credit.
The change took effect in 2018 and will affect many people.
====
How Home Equity Loans Work:
Pros and Cons... Borrow Against
Equity Of Your Home!
Home equity loans allow you to borrow against your home’
s value. They provide access to large amounts of money,
and they can be easier to qualify for than other types of
loans because they are secured by the property.
====
A home equity loan is a type of second mortgage. Your
“first” mortgage is the one you used to purchase your
home, but you can use additional loans to borrow against
the property if you have built up enough equity.
=====
Benefits of Home Equity Loans
Home equity loans are attractive to both borrowers and
lenders. Here are a few of the key benefits for borrowers


Low rates: Home equity loans typically have a lower
interest rate (usually quoted as APR) than unsecured loans
such as credit cards and personal loans. A low rate can
help keep borrowing costs low .
=====

Approval: Home equity loans may be easier to qualify for if
you have bad credit. With your home securing the loan,
lenders have a way to manage their risk.
======
Large amounts: Borrowers can qualify for relatively large
loans with this type of loan, assuming you have sufficient
equity in the home. For large expenses like home
improvements, higher education, or starting a business,
======

Safety for lenders: Most the benefits above are available
because home equity loans are relatively safe loans for
banks to make: The loan is "secured" with your house as
collateral.
How a Home Equity Loan Works
When you borrow with a home equity
loan, you can use one of two options:

Lump-sum: Take a large sum of cash up front, and repay the loan
over time with fixed monthly payments.

Your interest rate can be set when you borrow and remain fixed
for the life of your loan.

Each monthly payment reduces your loan balance and covers
some of your interest costs (it is an amortizing loan).

Line of credit: Get approved for a maximum amount available,
and only borrow what you need. Known as a home equity line of
credit (HELOC), this option allows you to borrow multiple times
after you get approved.

In the early years, you can make smaller payments, but at some
point, you have to start making fully amortizing payments that
eliminate the loan.

The HELOC is the most flexible option because you always have
control over your loan balance—and your interest costs. You
only pay interest only on the amount that you actually use from
your pool of available money.

=======

However, your lender can freeze or cancel your line of credit
before you have a chance to use the money. Freezes can
happen when you need the money most and unexpectedly, so
that flexibility comes with some risk.


Interest rates on HELOCs are typically variable, so your interest
charges can change (for better or worse) over time.

=====
Pitfalls of Home Equity Loans
Before using a home equity loan for any purpose, be sure to
understand the risks of using these loans. The main problem is
that you can lose your home if you fail to stick to the monthly
payment schedule that your lender requires.

Significant debts: Because these loans can provide a lot of cash,
it's tempting to use your home as an ATM. But it’s best to
reserve your home's equity for things that will improve the value
of your home, add significant value to your life (this does not
include “wants” or luxuries), or lead to a higher income for your
family

======
Reasons to cash-out and spend your home equity (with caution)
Tapping the equity in your home can be a good way to access cash quickly, but you should have a good reason for doing so. After all, you’re borrowing against
the roof over your head.

So whether you get a cash-out refinance, home equity loan or home equity line of credit (HELOC), you must use caution.
======
. Make home improvements
Home improvement is one of the main reasons homeowners take out equity loans or lines of credit. Besides making a home more comfortable and attractive to
live in, upgrades could raise its value.

But if you plan to sell the house, be mindful of the types of improvements you make. A common mistake is using home equity to add a giant TV or some feature
that does not really increase the value of the home,

“Most real estate folks will say new paint and carpeting, and maybe some upgrades to the kitchen or bathrooms help the value of the house.”

======
2. Pay for education
A HELOC or home equity loan can be a good way to fund a college education because the interest rate might be lower than the rate on a student loan.

“Paying for education to potentially put yourself in a higher income bracket — that’s a huge positive for using home equity,”


Before tapping your home equity, however, look at all of the options for student loans, including the terms and interest rates. Defaulting on a student loan will
only hurt your credit, but if you default on a home equity loan, you could lose your house.

======

3. Pay off credit cards or other debts
HELOCs or a home equity loan can be used to consolidate debts to a lower interest rate. Homeowners will often use home equity to pay off other personal debts
such as a car loan or a credit card.

This can become dangerous, however, if the homeowner runs up the credit cards again after using home equity money to pay them off.


“If you’re planning on tapping home equity to pay off debt, there better be a good management plan in place,”

Also, there are closing costs on a home equity loan or HELOC, so you need to look at how much it will cost overall to borrow against your equity.

“You’re paying a lot of money upfront to pay off the other debt, so it’s got to make financial sense,”

======

4. Invest the money
Some homeowners use home equity to invest in the stock market or real estate, expecting the returns to exceed the cost of the HELOC or line of credit.

This has risks, however, because there are no guarantees the stock market will perform as well as expected.

Similarly, if you use home equity to invest in real estate, you can’t be certain the investment property will be bring in more than what you put into it.

“People tend to sometimes overvalue a property they want to invest in or underestimate the costs involved,

“It’s really abut financial management and whether it makes sense to start with other investors or real estate professionals.”

======
5. Take a fancy vacation, buy an expensive toy
Most lenders and financial advisers agree that the worst reason to tap home equity is for unnecessary personal expenses such as an extravagant vacation or a
boat.

“These were the things people got in trouble with during the housing market boom,”

=======================================
Let’s look at the many ways you can build equity in your home:

Rising home prices – when home prices eventually turn around (I hope), you will gain equity simply because your home will be worth more.

Best Ways & Simple Ways To Build Up Your Home Equity Faster.
1.  Bigger down payment – finally, you can make a larger down payment at the outset to automatically acquire home equity. While this may seem like you’re putting
money in an illiquid investment, more equity means a lower loan-to-value ratio, which equates to a lower interest rate and easier-to-obtain financing.
=====
2.  Maintenance – keep your home in tip-top shape and you will be rewarded when it comes time to sell. If you can unload it for more as a result, you’ve essentially
created more equity in your home.
========
3.  Home improvements – if you make smart home improvements, where the expected value exceeds the cost, you’ll increase your home equity by having a home
that’s worth more. While it’s seemingly completely played out, granite countertops and stainless steel appliances still draw buyers in, and you can sell for more.
======
Avoid refinancing – conversely, if you don’t refinance and pull cash out, you’ll retain all the equity in your home. During the boom, many homeowners refinanced
over and over until they sucked their equity dry.
=====
4.  Falling mortgage balance – as you pay off your mortgage each month, you pay a portion of interest and a portion of principal (assuming it’s not an interest-only
home loan). Every time you make your mortgage payment you’ll gain some home equity.
======
Biweekly mortgage payments – you can even go with a biweekly mortgage payment plan, where you make 26 payments throughout the year. This will shave down
your mortgage term, save you a ton in interest, and help you build home equity a lot faster .
===========
Shorten mortgage term – you can also refinance into a shorter-term mortgage with a lower mortgage rate, such as a 15-year fixed, which will increase the size of
your payments, but build equity much faster than a traditional 30-year mortgage .
========
Larger mortgage payments – if you make larger payments each month, with the extra portion going toward principal, you will pay off your mortgage much faster
and gain home equity a lot quicker.
====================
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