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“Depending on the circumstances, (use equity) for big-ticket items such as tuition, a sudden illness that devastates the budget, sometimes even the purchase of an automobile when you have thought things through and you have compared that financing cost to what might be available,” he says.“But don’t run out and use it for credit cards for vacations, for frivolous things because it is not an unlimited source, as we saw when the market turned.” The main concern with using equity to pay off credit cards is that often, it is a temporary solution to a much bigger problem.You may be tempted to consolidate your credit card and other high-interest debt into a mortgage with much lower payments. Lenders now require the homeowner to keep at least 15 percent to 20 percent equity after cashing out.

consolidating credit card debt into line of credit-5

“And if you haven’t addressed that deficit or the reason that credit card debt continues to grow, then you are going to find yourself right back in that situation again and there may be no equity at that point.” The requirements to get a debt consolidation mortgage, or cash-out refinance, are not much different from those to get a standard mortgage — except for the minimum equity requirement, says Bill Banfield, a vice president for Quicken Loans.A Mortgage is a long term debt to help finance the purchase of your home, leaving you with a financial asset when it is paid off.Everywhere you turn it seems credit is being offered, credit card offers in the mail, at the supermarket and "Buy Now - Pay Later" incentives. If you're choosing a credit card for a rewards program, for example to take that free flight, make sure the benefit is greater than the annual fee.Consolidating the two into a new, 30-year mortgage at 4.5 percent saves about ,642 in interest.Consolidating the two into a 15-year mortgage at 4.5 percent saves almost 0,000 more.

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ANTIDOTE: Once again, more cluelessness than malice operating here. The antidote to this is the “one step forward, two steps back” protocol, as I describe it in The Tao of Dating, Ch. Sometimes you have to prime the pump to get things going again.