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Why Refinance Before Your Kids Go to College

July 20, 2015 Refinancing could give you a lower mortgage rate to help send your kids to college.

Sending your kids off to college can be a traumatic experience for your bank account. The cost of tuition and fees has increased by a staggering 1,225% since 1978. While student loans and scholarships can help mitigate expenses, some families may need to lean on existing assets to help pay for increasingly expensive education. In some […]

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How to Make Your Second Home a Vacation Rental

July 31, 2014 A family enjoys their vacation rental as the sun sets.

Owning a second home for vacation purposes has several benefits. The main draw is creating memories year after year with your family. Its also nice to have a place to get away on the weekends, but what do you do when it’s not in use? Here’s your go-to review from First Option on how to […]

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Second Mortgage vs. Home Equity Line of Credit

April 09, 2014 Home-Equity-Line-of-Credit

With the turnaround in the housing market and equity on the rise for many homeowners, the opportunity to tap into equity to pay down other expenses, invest in home renovations, or diversify investment portfolios has become increasingly popular. While there are several ways to access the equity in your home, two of the more common […]

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How to Refinance When You Have a Second Mortgage or HELOC

February 14, 2014 Refinance

While refinancing your mortgage can be a simple task, if you have taken out a second mortgage or a home equity line of credit, it may become more complicated. In some cases those can even block homeowners from refinancing altogether. Why, you might ask? Because in many cases, lien position is determined by the date […]

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Home Equity Loan vs. Line of Credit: What’s the Difference

December 23, 2013 great ways to save when you're ready to buy a house

While the basic structure of first home loans is essentially the same across the board, second mortgages come in a variety of forms. Homeowners who suddenly need extra funds have to decide between a few different second mortgage options—the most common of which are home equity loans and lines of credit. Though both deliver the funds […]

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What to Consider Before You Apply for a HELOC

September 27, 2013 great ways to save when you're ready to buy a house

If you are in the market for some credit and have built some equity in your home, a home equity loan can be a low interest option worth considering. Whether you want to use it to pay off some higher interest debt, are making some home improvements, or want to make another big ticket purchase, […]

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3 Ways to Pull Equity From Your Home

March 01, 2013 Home Equity

Your home is not just the place you live in and the roof over your head. If you purchased, then you have made a long-term investment with the hope that your investment will appreciate over time. There may come a point in time when you want to tap into that appreciation before you sell your […]

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