HELOCs vs. Credit Cards: What's Better for You?

Posted by Spring EQ on Apr 2, 2025 9:20:24 AM

High credit card balances can feel overwhelming, especially with high interest rates that make it harder to pay down debt. If you’re looking for a better way to manage and consolidate your debt, a Home Equity Line of Credit (HELOC) could be the smarter choice compared to using credit cards. Let’s get into the details.

 

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Topics: refinance, HELOC, debt consolidation, Fixed-Rate HELOC

Fund Your Home Projects with Your Equity

Posted by Spring EQ on Apr 2, 2025 9:20:20 AM

After a long winter season, we’ve officially flipped the script and entered spring. The days are getting longer, and the weather is heating up, making now a great time to start home improvement projects. If you’ve been thinking about remodeling your kitchen, updating your outdoor space, or tackling some much-needed repairs, using your home equity can be a smart way to fund your home improvement projects.

 

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Topics: refinance, HELOC, debt consolidation, Fixed-Rate HELOC

Smart Home for the Holidays

Posted by Spring EQ on Nov 11, 2024 12:49:50 PM

The holidays are always closer than you think! Festive gatherings and quality time with loved ones is right around the corner. So, too, could be a flurry of home improvement projects to get your home ready for the festivities that can make the holidays easier and more enjoyable.

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Topics: HELOC, smart home, home upgrade, Fixed-Rate HELOC

Interest Rates Outlook

Posted by Spring EQ on Nov 11, 2024 12:40:57 PM

After a long period of elevated interest rates, many homeowners are watching the market closely for signs of relief. And guess what? Many financial experts agree that interest rates are about to take a turn for the better – the only questions are how quickly and by how much?

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Topics: refinance, HELOC, debt consolidation, Fixed-Rate HELOC, interest rates

Fixed-Rate HELOC Secrets

Posted by Spring EQ on Nov 11, 2024 12:23:46 PM

A traditional HELOC offers flexibility with variable rates, but a fixed-rate HELOC provides unique advantages that many homeowners might not be aware of. Let’s explore both the well-known and lesser-known benefits of this versatile financial tool.

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Topics: refinance, HELOC, debt consolidation, Fixed-Rate HELOC

Fixing Debt With Fixed Rate Home Equity Loans

Posted by Spring EQ on Nov 8, 2024 10:45:52 AM

Let’s chat about something super important but often a bit confusing – managing high-interest debts like credit cards and personal loans.

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Topics: refinance, HELOC, personal loans, home equity

Topics: mortgage, HELOC, HomeEquity, CashAccess

Boost Your Credit Score

Posted by Spring EQ on Jun 16, 2023 10:17:53 AM

We can all agree your credit score – aka FICO score – is a big deal when it comes to securing any kind of loan. In fact, it factors into whether you'll be approved for a loan—as well as the rate of interest you will be charged.

 

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Topics: HELOC, HomeEquity, CashAccess, FICO, home improvement, home design

Safety First: Finding the Right Security System for Your Home

Posted by Spring EQ on Jun 16, 2023 10:13:51 AM

Looking into a home security system? You’re not alone. Despite the rate of burglaries dropping 68% in the last decade, an increasing number of Americans have chosen to install home security systems – with over $21.5 billion in projected growthby 2026.

 

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Topics: HELOC, HomeEquity, CashAccess, home improvement, home design, home security

Don't Fear the Heater: Tips to Keep Your Home Warm

Posted by Spring EQ on Jun 16, 2023 10:05:16 AM

Whether you're avoiding falling iguanas in South Beach or braving the blistering cold of a Chicago winter, every homeowner should make they're prepared for a cold spell during the winter months. And summer is a great time to plan ahead and get winter work done on your home.

 

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Topics: HELOC, HomeEquity, CashAccess, home improvement, home design, heating

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