When A HELOC Is Better Than A Cash Out Refi

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  • Опубліковано 31 гру 2024

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  • @RachelMcNeil
    @RachelMcNeil 10 місяців тому +4

    Great and helpful info as always!! 🔥🔥

  • @corpbone5986
    @corpbone5986 10 місяців тому +3

    Great content 👍🏼

  • @Itsdchung718
    @Itsdchung718 10 місяців тому +2

    Perfect topic.

    • @KelvinMcNeil
      @KelvinMcNeil  10 місяців тому

      Share your thoughts when you finish the video!

  • @nellielee2915
    @nellielee2915 3 місяці тому

    Great video thanks 🤩

    • @KelvinMcNeil
      @KelvinMcNeil  3 місяці тому

      @@nellielee2915 what did you learn?

  • @Mgamble214
    @Mgamble214 10 місяців тому

    I’m in credit debt that I used for repairs on a rental😢
    My DTI is high so I’m scared to apply for much needed loan
    Can I apply for heloc?
    Or what do you suggest ? I have a 3% rate on a house with a 15 year mortgage
    I’m so lost!

    • @KelvinMcNeil
      @KelvinMcNeil  10 місяців тому +2

      I recommend following this link to get a risk free quote on a HELOC (soft pull) because you should be protecting that 3% interest rate: tinyurl.com/NFTYheloc

  • @Gottchamakoolit
    @Gottchamakoolit 6 місяців тому

    Question….. I have HELOC about a year old 150k for 30 years to pay. Can I refi my house that I bought ii 2015 for $299k for 30 years to pay. It is about 510k worth for this year.
    Can I refi cash out ao I can pay my HELOC.

    • @KelvinMcNeil
      @KelvinMcNeil  6 місяців тому

      Are you looking to refinance the loan on the same property you have the HELOC on?

  • @deejpi
    @deejpi 10 місяців тому

    I have a 2.5% interest rate, 37% equity and need desperately to make repairs/remodel and payoff high interest cc debt. Is Heloc best option?

    • @KelvinMcNeil
      @KelvinMcNeil  10 місяців тому +2

      This isn’t enough info to say for sure but what I can tell you with your 2.5% interest rate. It is important to keep that for as long as you possibly could so if I were you I would definitely consider getting a HELOC.

    • @deejpi
      @deejpi 10 місяців тому

      Thank you! After watching your next video I need to get my DTI down

  • @Itsdchung718
    @Itsdchung718 10 місяців тому

    I have close to 70% equity and need some repairs but I’m retired and don’t want to be in debt. Any thoughts?

    • @KelvinMcNeil
      @KelvinMcNeil  10 місяців тому

      How much do you need for the repairs? Also could you use additional money for other purposes or is just repairs?

    • @Itsdchung718
      @Itsdchung718 10 місяців тому

      @@KelvinMcNeil about $50k would suffice for repairs and minor updates. I could also use the balance to pay off one of my cars.