Home Equity Lines of Credit (HELOC) for Life Event Management

Use a Home Equity Line of Credit
with a 5-10 year draw period — use the line as your personal money source to finance emergency and other life events.

(you can learn more - links scroll to information below)

Info:

why use this product line

home equity line benefits

account management suggestion

Tip:

how best to finance emergency needs

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Map

print this 1-Page Home Equity Map

Use Your Home Equity for Emergency and Event Planning:

for emergency

Get the cash you need ... as you need!

Your home equity line of credit lets you do just that. You can use it as your "Event Manager" to:

·  send money to relatives
·  pay for a wedding
·  finance an auto repair
·  pay medical expenses
·  repair a leaky roof
·  help family get home for the holidays
·  start new home construction

And while you're at it:

·  consolidate your bills
·  renovate your family room
·  start a home business
·  you decide: ________________

It's smart financial management to have an equity line available in the event of a life need.

Advancing needed funds from your equity line account is less expensive than cash advances from credit cards or any other unsecured instrument.

You will pay interest only on the amount you borrow, which interest cost may be deducted from your taxes if you qualify — this can reduce your cost even further. Consult your tax advisor for information.

View our Effective Interest Rate Table to illustrate your potential savings.

You can use your home equity line whenever you need ... as you need. Simply borrow the money you need, payoff the emergency event, and then repay your equity line account when money is available.

Look's like your equity line has become your personal banker

Using Your Home Equity for Emergency and Event Planning:

benefits

Product Benefits

open a line of credit up to your approved LTV level — calculate how much you can borrow
access your account as you need . . . when you need
pay minimum monthly payments or any additional amount when you have extra cash:

or use the bank equity program making payments

pay down the account to zero with no prepayment charges and resuse the line over again up to your approved available balance
deduct interest charges from your taxes if you qualify
get competitive adjustable rates as low as the PRIME RATE — see our rate page for information
benefits may vary by lending institution: view our summary notes of product features and terms

Using Your Home Equity for Emergency and Event Planning:

suggested use

How You Might Use Your "Emercency Fund"

click to print the home equity comparison sheet to shop lenders

Suggestions on how to access your home equity line of credit for maximum benefit:

Start with an approved home equity line account

from our network of nationwide lenders
Transfer an advance from your equity line account

to your new pre-paid card account (guaranteed approval):

see how the pre-paid card can be used

Use your pre-paid card to:

·	pay for repair bills
·	buy school supplies
·	consolidate your credit card debt
·	pick up a new computer
·	fund an overnight training camp for your child
	you decide — you are the banker: _____________

·	withdrawal funds from any ATM machine
·	make purchases at any merchant that accepts Visa^®
·	transact online purchases with fraud protection

Now For Your Benefits:

You will not be restricted by the number of times
that you can access your equity line account since one advance will be loaded to your card with unlimited check writing privileges.
By using your pre-paid card,
you can buy items for as little as $1, thus avoiding equity line accounts that come with minimum draw restrictions.
You can use your pre-paid card
at participating merchants without exposing your equity line account to potential fraud and misuse.

Hey!, it looks like you have become a smart banker.

Apply now and let's search for the right lender
or dial toll-free: 1-877-777-1370

Note: The recommended product, term and use are listed as illustrative purposes on how you might use the equity in your home. Please note that your circumstances may be different and that the recommended product, term and use may not fit your particular need.

YourEquity.com is not a lender. Therefore, we cannot quote rates or guarantee best terms. We refer applicants interested in getting a lending quote to Secure Rights, a licensed mortgage broker representing multiple home equity lenders.

USING YOUR HOME EQUITY

[view]for Home Improve
[view]for Debt Relief
[view]for Education
[view]for Auto Buying
[view]for Business Startup
[view]for Emergency
[view]for Managing Money

[view] Equity Line vs. Loan
[view]Getting Qualified

[view] Market Valuations
[view] Negotiating Rates
[view] Calculators - Tools

[view] Return Equity Home

Current Prime Rate: 3.25%
Equity Rate Range *	LTV	Type
PRIME RATE+ (-0.50 to 0.25%)	80%	LINE
PRIME RATE+ (0.25 to 1.50%)	90%	LINE
PRIME RATE+ (0.00 to 2.50%)	80%	LOAN
PRIME RATE+ (2.50 to 3.75%)	90%	LOAN
* sample home equity rate ranges: see notes

SayLending.com

smart lending guides for decision making

Using Your Home Equity for Emergency Needs

Why Use this Product Line

Home Equity Line Benefits

Account Management Suggestion

USING YOUR HOME EQUITY