she owes about $8,000 on a home-equity line and about $7,900 on her car ... If Naylor gets a 30-year fixed mortgage at recent rates, which hover around 4.375%, her monthly payments for the home would be about $1,350,

when 30-year fixed rates on owner-occupied home loans dropped to the 4 3/8% range, applicants making less than 20% down payments were required to pay mortgage insurance premiums that pushed their effective rate to ...

... year-old Mequon resident, returned to her home in the 11700 block of North Granville ... 2010 | We Energies customers would see a 1.4% increase in electric rates come January under a proposal filed Friday ...

... home mortgages because rates ... loans closed through July for home purchases and refinances is down from a year ago, Long reported. But 378 mortgage loans were being processed last week, including 148 home-equity

... loans in the agency's Wichita district so far this year. And with his $300,000 loan, the owner of Home Buddy at 3510 W ... leasing some equipment at an 18 percent interest rate, he said. There also was enough ...

The number of buyers who signed contracts to purchase previously occupied homes ... cheapest mortgage rates in decades haven't been able to lift the housing market. The average rate for a 30-year fixed loan was 4.32 ...

... equity ... home loans climbed to the highest level in more than a year last week, according to the Washington-based Mortgage Bankers Association. Home Refinancings Interested borrowers include homeowners with ...

... his time spent on loan ... work rate, determination, and spectacular goal in the second half against Slovakia. The 27 year old might not be as consistent as the supporters would like, but he is sure to bang home

26% of homeowners who refinanced chose a 15-year fixed-rate mortgage ... best credit and the most equity -- and, therefore, most suited for a shorter-term loan. [ See a Good Time to Double Down on Your Home? ]

Equity Analysts ... We entered the year thinking something like low double digits. Then in April or so, we got pretty optimistic because of better-than-seasonal PC demand, and people started thinking a 20%-type PC ...

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I live in SW Florida where I owe $335,000 for a house surrounded by homes forecloure specialists are enjoying profits from selling at $125,000 (in much better condition than mine), and at least another thousand brand new unoccupied homes nearby. Flood insurance just became mandatory and rates went up. I bought in '06, it was the best I could get then, but in very poor shape compared to the quality of currently available homes. It would take another $20,000 just to make it marketable to sell for $125,000. In '06 I had to have two loans on teacher pay, did not have enough reserves for a down payment, assumed value would continue escalating and would refinance/consolidate both loans, with increased equity in a few years, and live here another ten years, retire and go home and live in Texas in a modest, low cost home, for the rest of my life. Disaster struck. I modified loan 1 (SAXON) under HAMP - that one payment is 31% of my gross income - one of my 2 "take home" paychecks a month. I modified Loan 2 ($65,000 balance) directly with OCWEN, who only gave me a reduced rate (14% TO 2%) for 5 years. My entire 2nd paycheck is that payment, utilities, food, clothes, car, gas, credit cards, student loans, and other living expenses. I live hand to mouth and see now that I will never be able to retire/sell this house/move home, etc. I didn't want to get rich, but I didn't expect to pay every dime I make for the rest of my life for basic living because of what I perceive as a national financial disaster - obviously not just a "natural real estate cycle" - evolving from poor economic planning and oversight on the part of the politicians who have been paid by my taxes from my hard work for the last 35 years to assure my (at least basic) quality of life - for life. Ethics? It is hard to specify ethical boundaries under such extreme, outlying conditions. I do know one thing about this crisis: Ethcial boundaries were crossed at every stage, by many people, over many years. The argument for the end consumer to suffer - in such an exaggerated way - in order to affirm their ethics - seems profoundly hypocritical. On the other hand, I am still here, paying my mortgage, even though every other homeowner who purchased a home in this HOA between '05 and '08 has walked away, so I AM demonstrating ethics. My question is, "What would you do?" I wish I could put up a poll and ask every expert what they would do. Walk away entirely? What then... ? Rent for life...? Stop paying 2nd lien? What then...? Credit ruined...for how long...? What else....? Swallow and pay every dime they earn to live a restricted (since '06: never go out, no travel, no vacations, no gift giving at holidays, drive old cars, buy used clothes, etc.) life for the next ten or fifteen years, fearing job loss or pay cut daily, only to find out at retirement that I have to walk away from it then, can't sell it, perhaps have to file bankruptcy, then, and live in government housing for my retirement...? That seems awfully bleak. I make too much, they say, to file bankruptcy. hmmm...what would you do? Thanks for any wisdom you could share. Synthia

The Poages purchased a vacation home 12 years ago. At the time of the purchase, they were able to make a down payment of 20% of the purchase price:$131,250 and secured a loan to finance the remaining amount. The loan was to be amortized with monthly payments over 30 years at an interest rate of 6.75%/year compounded monthly. (a) What is the current outstanding principle on the loan? (b) How much equity do the Poages have in their vacation home? (c) Over the 30-year period, how much interest will the Poages pay? (d)If they decide to pay an extra $100/month, starting now, how many more years will it take to pay off the house?

The Poages purchased a vacation home 15 years ago. At the time of the purchase, they were able to make a down payment of 20% of the purchase price and then secured a loan of $105,000 to finance the remaining amount. The loan was to be amortized with monthly payments over 30 years at an interest rate of 6.75%/year compounded monthly. (a) What is the current outstanding principle on the loan? (b) How much equity do the Poages have in their vacation home? (c) Over the 30-year period, how much interest will the Poages pay? 2 hours ago - 4 days left to answer.

In 2006 I purchased a home for $109,000, I took out a mortgage for $87,200 at 6.75% (30 years fixed) and a home equity for $10,700 at 8.74% (20 years fixed) and put down $10,000. I did this so I could avoid PMI which I did. But now I want to refinance since my rate is ridiculously high. Can I combine these two loans now, currently at $83,000 and $8100 = $91,100 combined? At my local credit union the rate they show is 5.185 % (at HSBC now). Gonna live here for at least 6 more years maybe more until my parents sell their home. Gonna talk to them but just wanted some insight before I went. To throw something else in I just won $12,000 and was thinking of just paying off the Equity loan but wasn't sure if I should invest it instead? Was gonna open a roth IRA for a retirement fund maybe with $3000 of it since I'm in my low 30's..

Maybe we should now start paying these people's alimony, credit cards, and car loans too, what do you think? excerpt... The number of homeowners who defaulted on their mortgages even after securing cheaper terms through the government’s modification program nearly doubled in March, continuing a trend that could undermine the entire program. Sixty percent of modifications undertaken by banks in late 2008 were in default a year later, according to the latest Mortgage Metrics Report compiled by the Office of Thrift Supervision and the comptroller of the currency. Loans for which the payments were decreased by at least 20 percent failed at a slower but still significant rate of about 40 percent. The government program takes a more aggressive approach, lowering the interest rates for all loans. On many loans, terms are also extended or principal payments put off for years. Treasury data shows that the median savings for borrowers receiving permanent modifications is $512 a month. Many borrowers remain deeply indebted, however. They owe not only on the house, but on homeowner association fees, home equity loans, car loans, alimony and credit card interest. http://www.nytimes.com/2010/04/15/business/15mortgages.html

Hi and firstly thanks for taking the time to read this. Basically my parents have a (now) successfully property rental business and have had it for over 20 years. Basically 3 years ago it emerged that my father had got into a lot of debt without my mum even knowing - all business related. This equates to about £250,000. Anyway, my parents sold their last house, downsized paid about £100,000 of this off and then the recession hit....things did slow down business wise but they have kept their heads above the water but its been a real struggle. 3 years on they have met their commitments but still have this £150,000 over their heads. They are now contemplating selling their home, drawing the majority of the equity out to pay these committments off (there are basically 4 or 5 loans and from what ive seen, the interest rate is what is crippling them at 20-25%) and renting a house. This would relieve them of around £6000 a month in loans, and in theory this money each month would slowly help them recover their money and buy again. I am in my early 20's and have recently started my own business and am earning around £100,000 a year after a lot of hard work over the past 12 months. I also own my own house, with approx £40,000 equity in it which iisn'ta great deal, but im wondering if theres a solution that I can help them with to avoid them having to sell their house? their in their mid-late 50's and theyve never rented in their lives and ultimately, im still young so if it means say sacrificing my house/business I would definitely look at it. Any suggestions would be really appreciated ThanksThe problem is, most of the debt (60-70%) is on credit cards as far as I can see. My dad blames 'hard times' for it and who am I to judge? but its a huge amount of cards. They are meeting the 'minimum' payment, but this means it wont be cleared until their in their late 60's by my calculations. By selling their house they can pay these off in full I guess, and then with the £5000-6000 could probably afford to buy again in around 2 years. I can see the theory...but it does worry me! the bank has been unhelpful despite them trying to clearly restructure their debt and its all just a mess to be honest.

I need to find a hard money lender or private investor for a $20,000 loan. I want to use the equity in home as the basis for the loan. The house is worth about $200,000 and I owe $83,000 on the mortgage. I do not qualify for a traditional mortgage because of self employment income. I know I will not have trouble paying this off even with a high interest rate. Looking for a short term like 1 year only. I have good credit scores. I was wondering where I can get a list of lenders/investors that may do this type of loan. Any suggestions?

Heres the problem: Today is t=0. Jane decides to add a garage to her house, which will cost $200,000 today. Contractor A offers her the following payment plan: $20,000 down payment today and a three-year loan. The amount financed is $180,000 and the payments are $60,000 in t+1, t+2 and t+3. Contractor B does not require a down payment today. He offers a loan that will require her to pay back $40,000 in each of the next five years (t+1 through t+5). Jane’s alternative borrowing instrument is a $200,000 home equity loan from her bank. Note that both contractors would accept a payment of $200,000 at t=0. Jane evaluates the alternative proposals using the home-equity loan rate. a) If the home equity loan rate is 3%, does she choose the payment plan of contractor A or B or does she borrow using a home equity loan? b) If the home equity loan rate is 15%, does she choose the payment plan of contractor A or B or does she borrow using a home equity loan?

(Firstly I apologise for the length of this, but I wanted to explain the whole situation just so there's no ambiguity). Here in Brisbane, Australia we get 7-8 sun hours per day on average (source: http://www.livingin-australia.com/sunshine-hours-australia/ ); our household uses ~20kWh per day based on the average of all the power bills for 2009. Using this calculator ( http://www.bdbatteries.com/panelcalculator.php ... too lazy to crunch the numbers myself) it tells me the ideal system is 3.2 kW. Our house has a large north-facing roof so that is good enough for solar panels. For practicality (and to keep the numbers conservative) I sourced the figures for a 3.5kW system which is within the price range of $30-40k, but after selling RECs (Renewable Energy Certificates) and taking advantage of federal and state subsidies and offsets it is priced at ~$15-20k; I'll assume a worst case (say, $25k) to keep it conservative. With a Home Equity Line of Credit Loan we currently have $220,000 in debt overall. At ~6.5% interest the monthly repayments are ~$1,190. If we were to throw the $25,000 for the entire solar setup onto the loan, the loan would increase to $245,000 and interest would be ~$1,330 per month, a $140 increase. Since we are currently paying $126 per month ($4.20 per day) in power bills, it seems it is not worth it. However, 3.5kW x 7.5 avg sun hours gives 26.25kWh daily, or ~6.25kWh more than is needed. When taking into account the 44c/kWh feed-in tariff that is a lowest possible return of ~$82.50 per month (I say "lowest" because it is real-time net metering, so if we have nothing running during the day it will send a lot of power priced at 44c/kWh to the grid; when we buy it back when we are back from work at night it will cost only 16c/kWh, so overall we will gain more than $82.50 per month). So then if we had to pay $140 extra per month on the loan but that eliminates $126 per month in power costs and includes $82.50 at the minimum in feed-in credits, is that is effectively a saving of $68.50? I know it isn't really a saving per se since simply paying loan interest doesn't reduce the loan's size, but to me it seems to be a saving since the power cost of $126 per month will always be there so it may as well be moved from one account (elec) to another (HELOC loan) without making much difference financially; also the HELOC loan can be paid off and thus interest repayments become lower, while the cost of electricity is only set to rise (on top of inflation-adjustment each year, we are expecting sharp rise when the carbon trading scheme gets passed, and the generators were granted a 16% increase for January 2010 anyway!!!). Additionally when the 3 kids have moved out of home the power use will drop, leaving more electricity for the grid (so more money returns) in addition to less expenses overall (so the HELOC loan will be easier to pay off) - seems like a double win! There are two major downsides that I can immediately see: variable interest rate rises and home valuation. However for the latter, I am not sure whether it is really a problem. For all I know, solar panels would most likely increase the value of one's home (seems to be logical anyway), which in turn means more flexibility regarding the floor of the HELOC loan if it is needed. I am somewhat naive regarding how HELOC works so that is my main concern in this plan. So is this too good to be true, or have I missed something (I generally don't believe in "too good to be true" hence why I am asking).Naive re HELOC; I am one of the 3 kids mentioned in the question (19yo) so this is just for me to propose to my parents as an idea.

My husband and I just applied for a home equity loan and were denied. We already have one which we applied for 2 years ago for $20,000 which we have paid off $10,000 (always on time!). We just applied again - for a $60,000 line of credit - to pay off our credit card debt and the rest of the other home equity loan (which is at 6.24%). The new loan would be a variable rate of 3.5% where we would actually be paying less than we are now per month (but we would pay off more due to we are paying much more just to pay off the minimum amount on our cc's). The issue is that we have a loan or mortgage for the house with my mom and dad (it's actually just in my mom's name). We have a legal contract written up but we have had some really tough times and we have not had to pay much over the last year or so - just our property taxes to the town (not so little in NJ). We did not list an actual mortgage on the loan application due to it being a private loan. I can't even remember what we did for the first one and I don't have a copy. Could this be the reason why we were denied in that it doesn't show any equity in the house (the house is in our name) and if it is the reason how do we go about showing that we do have equity in the home and how much should we show - my mom will show whatever amount we need that would look realistic? We have lived in the house for 5 years and it's worth about $550,000. Our credit scores are 749 and 769 so we know that isn't the problem. Thank you so much and I'm looking forward to hearing your advice. Sincerely, Julie

This is good practice for all of you budding financial advisors out there. My husband and I have 3 long-term debts: my Federal student loan which is only in my name, a car loan on which we have about 3 more years of payments left, and a year-old mortgage. The latter two are in both our names. We have no credit card debt and are DINKs. The interest rates/balances on the debts are: student loan 3%/ $7,000, car loan 6.99%/ about 9,000, and mortgage 7%/ about 197,000 (yes, I believe as first-time home buyers we got screwed on that interest rate at closing, but that's water over the dam now). We have about 12,000 in savings, and we have a little over 20,000 equity in our house. Here's the tricky part: this year, due to a layoff, our gross annual combined income was reduced from over 60,000/year to about 40,000 and we have applied for mortgage rate modification because of course at the moment we can't qualify for traditional refinancing. I know that it is generally best to repay the loan that has the highest interest rate first, but in our case I'm also taking into consideration that my husband needs to build up a credit history here in the U.S. (he's from Europe and immigrated 4 years ago), and the only loan that we can pay off at the moment is the student loan. The student loan has the lowest balance and I've been carrying it the longest (11 years). I am inspired by the low balance on my student loan and the historically low interest rate and am tired of the student loan debt, so I'm tempted to pay it off right away. My husband and father suggest not paying it off now, because 1. we need as much as possible in our savings account for a sense of security and 2. we are more likely to be approved for our mortgage rate modification if we show as much debt as possible. What do you recommend?Thank you all so much for your input- I'll just continue to make regular payments on the student loan and my husband will be delighted to know that he is right;) A couple of things I should clarify though: Mytakeonit- in a financial emergency, we would get help from my dad, so, although I would be hesitant to use a lot of our savings, we would have a backup plan. So everyone is probably wondering that if it's so easy why not just have daddy pay off the loans? And the answer is because we have an agreement that he will help in a crisis caused by things beyond our control, but we want to try to handle things on our own if at all possible. tiffgrif- I know what you mean, but I should mention that our car is a Subaru Forester, which really don't depreciate very much..which is one of the reasons why we chose that make. Thanks again!!

We are refinancing our first mortgage. We have a second which is a home equity line of credit at 7.78% We can probably pay it off in 10 years. Should we roll it into our first and refinance both at 5.20% for 30 years? Would the difference in interest rates offset the extra 20 years of payments?

I am weighing out a FHA vs conventional loan. The reason I am even considering a conventional loan is because I cant seem to get any offer accepted in San Diego (I am offering 110 - 110% of list price). I keep missing out to ALL CASH offers and conventional loans... If I went conventional with 10% down, and I pay PMI. How long before I can have my home appraised and if I have 20% equity can I stop paying PMI? If I went FHA, how long after could I do an appraisal and if I have 20% equity and if the rates are still low could I possibly re-finance and then drop off the PMI? The negative to FHA that I see is that I pay up-front PMI (1.75%) and that I have to pay PMI for 5 years even if I have 20% equity in my house. The negative to conventional is that I have to come up with 10% to put down (minimum). If I put less, my PMI is crazy high and I can't do that. Otherwise both loans are the same rate... Any thoughts?

1. What type of reports do Equifax, TransUnion, and Experian produce?(1 point) income studies credit reports crime rate statistics bankruptcy filings 2. How long does a negative notation on your credit report last? (1 point) one year ten years seven years forever 3. When buying or selling a used car, what’s the best resource on finding an accurate price? (1 point) Cheryl Red Book Kelley Blue Book Paul Pink Book Newspaper Advertisements 4. If you drive more than 15,000 miles each year, you should lease a car instead of buying one. (1 point) True False 5. 401-K’s and IRA’s are examples of what? (1 point) Debt Consolidators Stock Markets Retirement Accounts Checking Accounts 6. What type of insurance pays you a monthly cash benefit in the event you’re injured and cannot work? (1 point) Automobile Insurance Long Term Care Insurance Disability Insurance Life Insurance 7. Your annual household income is a part of your credit score calculation. (1 point) True False 8. A credit card is an example of what kind of credit: (1 point) Deferred Revolving Interest-Free Recurring 9. If you have a low credit score, you’ll pay more for insurance. (1 point) True False 10. An individual who prefers high risk investments with a (possibly) high-reward is called: (1 point) Risk-finding Risk-taking Risk-seeking Risk-searching 11. Wealthy people and companies that invest money in startup companies in exchange for a large share of future profits are called what? (1 point) Venture capitalists Loan sharks Loan officers Risk-averse 12. When someone prefers to invest and participate in the founding of new companies instead of investing in savings instruments or the stock market they would be called what? (1 point) Risk-averse Entrepreneurial Unilateral Risk-finding 13. What federal program makes sure your bank deposits are never lost due to bank bankruptcy? (1 point) The Federal Deposit Insurance Corporation The World Bank The Securities and Exchange Commission The Federal Reserve Bank 14. What is the single best way to increase your long-term income? (1 point) receive a promotion receive a merit pay increase increase your educational level invest in startup companies 15. What is the best way to decrease your expenses? (1 point) pay down any outstanding credit cards get a smaller apartment/house sell your automobile diversify 16. Which of the following expenses would be considered discretionary expenses? (1 point) rent electricity credit card payments magazine subscriptions 17. When an asset (something of value) is always connected to the ground and cannot move – it is called what? (1 point) Liquidated Real Property Collateral Real Estate 18. Expenses such as electricity, telephone service, and water service are called what? (1 point) Bills Debt Utilities Revolving Credit 19. The money you pay to an insurance company to insure your property or asset is called what? (1 point) An insurance premium An insurance deductible An insurance payment Insurance coverage 20. When an asset (something of value) such as an automobile or home is voluntarily sold for cash, it would be considered what? (1 point) Refinanced Liquidated Collateral Repossessed 21. Documentation from an insurance company that states what item or property is insured and the amount that you will receive if the property is destroyed is called what? (1 point) An insurance premium An insurance declaration An insurance policy An insurance deductible 22. An Emergency fund should be made up of what? (1 point) Real property Savings instruments Stock Cash Only 23. The amount of money you’re likely to make in a lifetime is called what? (1 point) tax bracket income potential taxable income equity 24. When inflation is high, on a daily basis the money in your pocket becomes what? (1 point) Worth more Worth less Liquidated Discretionary spending 25. A numerical comparison between two figures is called what? (1 point) a ratio a percentage a sum a difference 26. When your credit score is poor, your mortgage interest rate will be: (1 point) Higher Lower 27. A revolving credit account where the cardholder must pay the full account balance each month is called what? (1 point) a charge card a debit card a credit card a gift card 28. In a list of numbers placed in numerical order, the middle number is called what? (1 point) the average the median the difference the total 29. A FREE warranty from an automobile manufacturer that covers any and all mechanical problems for a specified period from the purchase date is generally called what? (1 point) Supplemental insurance Bumper-to-Bumper warranty Manufacturers extended warranty Sellers guarantee 30. A short-term financial goal is achieved within what time period? (1 point) 10-25 years 1-12 months 1-5 years 30 years 31. E

1. What type of reports do Equifax, TransUnion, and Experian produce? (1 point) income studies credit reports crime rate statistics bankruptcy filings 2. How long does a negative notation on your credit report last? (1 point) one year ten years seven years forever 3. When buying or selling a used car, what’s the best resource on finding an accurate price? (1 point) Cheryl Red Book Kelley Blue Book Paul Pink Book Newspaper Advertisements 4. If you drive more than 15,000 miles each year, you should lease a car instead of buying one. (1 point) True False 5. 401-K’s and IRA’s are examples of what? (1 point) Debt Consolidators Stock Markets Retirement Accounts Checking Accounts 6. What type of insurance pays you a monthly cash benefit in the event you’re injured and cannot work? (1 point) Automobile Insurance Long Term Care Insurance Disability Insurance Life Insurance 7. Your annual household income is a part of your credit score calculation. (1 point) True False 8. A credit card is an example of what kind of credit: (1 point) Deferred Revolving Interest-Free Recurring 9. If you have a low credit score, you’ll pay more for insurance. (1 point) True False 10. An individual who prefers high risk investments with a (possibly) high-reward is called: (1 point) Risk-finding Risk-taking Risk-seeking Risk-searching 11. Wealthy people and companies that invest money in startup companies in exchange for a large share of future profits are called what? (1 point) Venture capitalists Loan sharks Loan officers Risk-averse 12. When someone prefers to invest and participate in the founding of new companies instead of investing in savings instruments or the stock market they would be called what? (1 point) Risk-averse Entrepreneurial Unilateral Risk-finding 13. What federal program makes sure your bank deposits are never lost due to bank bankruptcy? (1 point) The Federal Deposit Insurance Corporation The World Bank The Securities and Exchange Commission The Federal Reserve Bank 14. What is the single best way to increase your long-term income? (1 point) receive a promotion receive a merit pay increase increase your educational level invest in startup companies 15. What is the best way to decrease your expenses? (1 point) pay down any outstanding credit cards get a smaller apartment/house sell your automobile diversify 16. Which of the following expenses would be considered discretionary expenses? (1 point) rent electricity credit card payments magazine subscriptions 17. When an asset (something of value) is always connected to the ground and cannot move – it is called what? (1 point) Liquidated Real Property Collateral Real Estate 18. Expenses such as electricity, telephone service, and water service are called what? (1 point) Bills Debt Utilities Revolving Credit 19. The money you pay to an insurance company to insure your property or asset is called what? (1 point) An insurance premium An insurance deductible An insurance payment Insurance coverage 20. When an asset (something of value) such as an automobile or home is voluntarily sold for cash, it would be considered what? (1 point) Refinanced Liquidated Collateral Repossessed 21. Documentation from an insurance company that states what item or property is insured and the amount that you will receive if the property is destroyed is called what? (1 point) An insurance premium An insurance declaration An insurance policy An insurance deductible 22. An Emergency fund should be made up of what? (1 point) Real property Savings instruments Stock Cash Only 23. The amount of money you’re likely to make in a lifetime is called what? (1 point) tax bracket income potential taxable income equity 24. When inflation is high, on a daily basis the money in your pocket becomes what? (1 point) Worth more Worth less Liquidated Discretionary spending 25. A numerical comparison between two figures is called what? (1 point) a ratio a percentage a sum a difference

Get the best current home equity loan rate quote. Use our home equity calculator to calculate your payments and learn more about home equity loans through our guides.

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For anyone younger than 57, mortgage rates are now the lowest they’ve been during your life.

Treasury bond yields, which influence the home-loan rates, have surged since Tuesday. Mortgage rates fell for the 10th time in 11 weeks, setting fresh record lows, Freddie Mac reported Thursday. But a rebound in Treasury yields in the last two days raises the possibility that home-loan interest costs won't fall again next week.

For many people, mortgage rates are now the lowest they've ever seen.

For anyone under the age of 57, mortgage rates are now the lowest they've been during your life. This fact isn't lost on a growing number of homeowners who have started a new wave of refinancings.

Kathy Naylor lives frugally, but it would be a big challenge to afford the Santa Monica house. Because of her elderly mother's health issues, schoolteacher Kathy Naylor in 2007 reduced her schedule to part-time work, vacated her condominium in West Hills and moved back into her childhood home in Santa Monica to take care of her mom.

Low mortgage rates have fueled a wave of refinancing by borrowers.

Is it worth it to pay $200,000 for a liberal arts education, especially if it means taking out loans? One of my 20-something Kiplinger colleagues answers bluntly: "If I had realized how much debt I was getting into, I would have gone to my state school instead of an expensive private college." Finance - United States - Education - Colleges and Universities - Government

Q: I am looking to buy my first home, but my credit score isn’t good and there is negative information on my credit report. I’ve made some errors in judgment. How can I increase my credit status to the point where I can purchase my first home?

ZANESVILLE -- Applications for refinancing home loans, bolstered by some of the lowest borrowing costs in 20 years, are up for the fifth straight week nationally, according to a weekly survey conducted by the Mortgage Bankers Association.

Rates are way down, and you can reduce your monthly payment or shorten the term of your loan.