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	<title>Home Equity Loan Rates, Credit Line Rate Info &#187; Home Equity Programs</title>
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	<description>Smart Home Equity offers current home equity loan rates and home equity news for home equity Lines of credit and fixed equity loans...</description>
	<lastBuildDate>Wed, 18 Aug 2010 19:43:34 +0000</lastBuildDate>
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		<title>When Should I Refinance My Home Equity Line of Credit?</title>
		<link>http://blog.smarthomeequity.com/2010/05/14/when-should-i-refinance-my-home-equity-line-of-credit/</link>
		<comments>http://blog.smarthomeequity.com/2010/05/14/when-should-i-refinance-my-home-equity-line-of-credit/#comments</comments>
		<pubDate>Fri, 14 May 2010 22:03:12 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Equity Articles]]></category>
		<category><![CDATA[Home Equity News]]></category>
		<category><![CDATA[Home Equity Programs]]></category>
		<category><![CDATA[Letters to Smart Home Equity]]></category>
		<category><![CDATA[Smart Home Equity FAQ]]></category>
		<category><![CDATA[equity loan refinance]]></category>
		<category><![CDATA[stated income home equity loan]]></category>

		<guid isPermaLink="false">http://blog.smarthomeequity.com/?p=33</guid>
		<description><![CDATA[Dear Smart Home Equity: We currently have home equity credit line with an interest rate prime plus 1.5 %. The equity line payment is small because it’s interest only, but I’m concerned that the rate will start rising and I might not qualify for an equity loan refinance, because I’m self-employed.  I may be doing [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>Is a Debt Consolidation Loan Right For You?</title>
		<link>http://blog.smarthomeequity.com/2010/05/10/is-a-debt-consolidation-loan-right-for-you/</link>
		<comments>http://blog.smarthomeequity.com/2010/05/10/is-a-debt-consolidation-loan-right-for-you/#comments</comments>
		<pubDate>Mon, 10 May 2010 16:43:19 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Cash Refinancing]]></category>
		<category><![CDATA[Debt Consolidation]]></category>
		<category><![CDATA[Home Equity News]]></category>
		<category><![CDATA[Home Equity Programs]]></category>

		<guid isPermaLink="false">http://blog.smarthomeequity.com/?p=31</guid>
		<description><![CDATA[Thousands of homeowners have benefitted from consolidating debt with our home equity loans.  As the government cracks down on subprime mortgage lending it is inevitable that home equity loan guidelines will tighten for cash out and debt consolidation loans.  Consider these three steps below before taking out an equity loan to consolidate debt. 1. Determine [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Homebuilders Report Increase in Home Improvement Financing Demand</title>
		<link>http://blog.smarthomeequity.com/2010/05/03/homebuilders-report-increase-in-home-improvement-financing-demand/</link>
		<comments>http://blog.smarthomeequity.com/2010/05/03/homebuilders-report-increase-in-home-improvement-financing-demand/#comments</comments>
		<pubDate>Tue, 04 May 2010 00:49:19 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Equity News]]></category>
		<category><![CDATA[Home Equity Programs]]></category>
		<category><![CDATA[Home Remodeling]]></category>

		<guid isPermaLink="false">http://blog.smarthomeequity.com/?p=29</guid>
		<description><![CDATA[Needless to say, the home equity sector of the mortgage industry has had three poor consecutive years.  With the credit crunch nearly killing all home equity loan programs across the nation, it was difficult for homeowners to access cash with a home equity line of credit or a closed end second mortgage.  2010 is showing [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Second Mortgage Modifications for Credit Lines and Equity Loans and</title>
		<link>http://blog.smarthomeequity.com/2009/09/01/second-mortgage-modifications-for-credit-lines-and-equity-loans-and/</link>
		<comments>http://blog.smarthomeequity.com/2009/09/01/second-mortgage-modifications-for-credit-lines-and-equity-loans-and/#comments</comments>
		<pubDate>Tue, 01 Sep 2009 11:26:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Government Mortgage Relief]]></category>
		<category><![CDATA[Home Equity News]]></category>
		<category><![CDATA[Home Equity Programs]]></category>
		<category><![CDATA[Mortgage News]]></category>

		<guid isPermaLink="false">http://blog.smarthomeequity.com/?p=23</guid>
		<description><![CDATA[The use of second mortgage liens grew during the housing boom as homeowners extended themselves with home equity loans to consolidate debt and finance as much as 100% of the original purchase price. Administration officials estimate that modifying home equity loans could help as many as 1.5 million homeowners.  An Obama official said that &#8220;by bringing the 1st and 2nd [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>Home Equity Loan Versus Home Equity Line of Credit</title>
		<link>http://blog.smarthomeequity.com/2009/01/12/home-equity-loan-versus-home-equity-line-of-credit/</link>
		<comments>http://blog.smarthomeequity.com/2009/01/12/home-equity-loan-versus-home-equity-line-of-credit/#comments</comments>
		<pubDate>Tue, 13 Jan 2009 07:32:31 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Equity News]]></category>
		<category><![CDATA[Home Equity Programs]]></category>
		<category><![CDATA[Home Equity Videos]]></category>
		<category><![CDATA[adjustable interest rates]]></category>
		<category><![CDATA[equity loan]]></category>
		<category><![CDATA[home equity lines]]></category>
		<category><![CDATA[home equity loans]]></category>
		<category><![CDATA[home equity rates]]></category>

		<guid isPermaLink="false">http://blog.smarthomeequity.com/?p=12</guid>
		<description><![CDATA[Both home equity loans and home equity credit lines are second mortgages, but these home equity products do have some differences with the interest rates and terms.  First of all home equity loans are installment loans with a fixed interest rate amortized on a set term.  The monthly payment for an equity loan is the [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Home Equity Line of Credit Guidelines</title>
		<link>http://blog.smarthomeequity.com/2009/01/05/home-equity-line-of-credit-guidelines/</link>
		<comments>http://blog.smarthomeequity.com/2009/01/05/home-equity-line-of-credit-guidelines/#comments</comments>
		<pubDate>Mon, 05 Jan 2009 08:49:41 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Equity News]]></category>
		<category><![CDATA[Home Equity Programs]]></category>
		<category><![CDATA[2nd mortgage lender]]></category>
		<category><![CDATA[cash out refinancing]]></category>
		<category><![CDATA[equity loan]]></category>
		<category><![CDATA[HELOC]]></category>
		<category><![CDATA[home equity lender]]></category>
		<category><![CDATA[home equity line guidelines]]></category>
		<category><![CDATA[home equity line of credit]]></category>
		<category><![CDATA[home equity lines]]></category>
		<category><![CDATA[home equity rates]]></category>
		<category><![CDATA[interest only home equity]]></category>
		<category><![CDATA[second mortgage]]></category>

		<guid isPermaLink="false">http://blog.smarthomeequity.com/?p=10</guid>
		<description><![CDATA[Most home equity lenders have mortgage guidelines that vary, like loan to value, credit scores, residual income, cash out limits, loan amount limits, etc.  Some second mortgage lenders offer equity loan programs with no lending costs and annual costs for equity lines of credit. These days, most mortgage lenders will limit borrowers to 65% loan [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Home Equity Loan Products</title>
		<link>http://blog.smarthomeequity.com/2008/12/29/home-equity-loan-products/</link>
		<comments>http://blog.smarthomeequity.com/2008/12/29/home-equity-loan-products/#comments</comments>
		<pubDate>Mon, 29 Dec 2008 10:06:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Home Equity Programs]]></category>
		<category><![CDATA[cash out refinancing]]></category>
		<category><![CDATA[equity loan]]></category>
		<category><![CDATA[home equity credit lines]]></category>
		<category><![CDATA[Home Improvement Loans]]></category>
		<category><![CDATA[second mortgage]]></category>

		<guid isPermaLink="false">http://blog.smarthomeequity.com/?p=8</guid>
		<description><![CDATA[Smart Home Equity Loans is a reliable connection for home equity loans online.  Our equity loan products range from installment 2nd mortgages with fixed interest rates to revolving home equity credit lines that offer flexibility and quick access to tax deductible cash. Most homeowners like home equity loans because they enable the borrower to get low rate [...]]]></description>
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