Julie Rains

Julie Rains is a freelance writer specializing in personal finance, careers, personal development, and life hacks. She is a graduate of The University of North Carolina at Chapel Hill, where she majored in business with a concentration in finance. Julie loves using financial functions to create mortgage amortization schedules and applied this knowledge to paying off her mortgage a few years ago. You can find more of her work on her blog, Working To Live Differently, and popular personal finance and lifestyle blog, Wise Bread.

5 Fitting Uses For A Home Equity Loan or HELOC

Home Equity Loans

At some point in your financial life, you may want to leverage your home equity to improve your financial position. You might get a home equity loan, which gives you a specific amount of cash; or sign up for a home equity line of credit (HELOC), which provides ready access to cash as needed. Read More

How to Get the Lowest Mortgage Rate

Lowest Mortgage Rates

Snagging the lowest mortgage rate possible can mean saving thousands of dollars over the life of your loan. For example, if you locked in a 4.0% mortgage interest rate rather than a 5.5% rate for a 30-year, fixed-rate mortgage loan of $200,000, you could save more than $65,000 over 30 years. Read More

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