Mortgage or HELOC? HELOCs are SIMPLE INTEREST Saving You THOUSANDS of $$$

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[jackgonzalez]

I love your videos...I live in Texas and would like to use a HELOC. I am transitioning from a construction loan to a mortgage in December.

[johnpistilli]

Easy one. 5 years they’re debt free including house.

[Danzabyron]

I live in Australia and have a mortgage redraw account …..with the ability to put all my income in and be able to draw on the extra repayments that I’ve made to the mortgage without any fees , and can pay my credit cards. …….So what I’m saying is the mortgage it’s self doesn’t give me credit as such, but I can redraw the extra money that I’ve put in above what the minimum monthly payment for the loan per month .

[dorothytravis]

What do you recommend if your credit score is too low to get a HELOC even though you have equity?

[PainReliefSpecialist]

Scenario: house is paid off, no mortgage, but have high interest credit card debts, with available balances on cards, with plenty of cash flow to do velocity banking. Excellent credit. Is it possible to get a locked in rate Heloc on a home with no mortgage. Or does a first lien Heloc have to be on a mortgaged home? In this scenario, would a First Lien Heloc fixed rate be better or use a credit card and do velocity banking to pay them off?

[marvellearmstrong]

I’m looking for a HELOC. What banks/ Credit Unions do you recommend that offer fixed rates? Thank you!

[barebonesbrisco]

Impressive product for the consumer! This a great play!

[LaurenLove-qq]

just got approved for a HELOC, but its variable (8%) now due to inflation. My mortgage is 3.25%. 10 year draw, 20 year repay. I got the HELOC to pay off credit card debt (high interest cards!). So if the HELOC int rate is more than my mortgage, is it still worth it?

[zxnuc]

I have a heloc right now with a balance of $63, 000 and current interest is at 8%. I have also a mortgage with a balance of $48, 000 with a current interest rate of 3.25%. Which one should I pay off first . The best move or to save money and interest . Thank you

[od]

Oh I didn't realize you could get a 1st Lien HELOC in Texas. Please connect me with some 1st lien HELOC Lenders/Bankers in Texas

[lifepairedwithwine]

Can you get a HELOC after living in a home for 2 years? Credit score in 720’s, no late payments, etc. Owe about 156, 000, Zillow est value at 190-210, 000

[cherylc.]

I get the 1st lien Heloc. But what if you owe $140k on your mortgage, the house is worth 355k and you get a 1st lien Heloc and then you want to sell your home and move. If you’ve already got a first lien HELOC and you pay off 140k mortgage (with the 200, 000 equity) when you sell your house how much would make? I’m confused?

[ronnierogers]

i have about $80 to $90, 000 equity in my house. i owe 119, 00 mortage probably another $60, 000 in our debt 600 crefit score. where do i start? house mortage $740 a month

[robertthompson]

Hey! Thank you for your videos! I really appreciate all you are doing. I have watched pretty much all your videos ans i still have a few questions. How do i communicate with you directly?

[servandocabrales]

What exactly is a HELOC?
Looking on becoming a first time home owner any information will be helpful thanks and god bless.

[frankied]

Can I get a large enough PLOC to build a home if I have 50% down in order to avoid a mortgage? Is that possible? Thanks

[sandykelly]

Please send me list 1st lien heloc lenders!! My credit union just has variable rate one and don’t want that

[RealCasitas]

How can can we get ahold off you? We need to find a lender that will do a first lien heloc. Thanks for all you do sharing gold nuggets on all your videos.

[blackson]

To my understanding (or maybe not) the more payments you make within the month breaks the interest down. The lower the rate the better but does it really matter the rate if you're making weekly deposits?

[Romenet]

Confused. How is this a first lien HELOC if there is already a first lien holder?