If you can swing the higher payments of a 15-year loan, you’ll pay less in interest and will own your home sooner. If not, maybe get a 30-year loan with no prepayment penalty, and aim to make some extra payments if you’re able. If you know you won’t be in the home long, an adjustable-rate mortgage can get you a lower interest rate. If you may stay for decades, a fixed rate can be smarter, especially in our current low-interest rate environment. Go ahead and get in debt with a mortgage, but be financially smart about it. Shutterstock Replacing bad debt with good (for good) Dan Caplinger : One of the best reasons to borrow against new sources of credit is to consolidate other loans and get more favorable terms. For instance, if you have a lot of high-interest debt in the form of outstanding balances on credit cards, then one option you might have is to take out a home equity loan to pay off the cards. interview attireThere’s a downside involved in that putting your home up as collateral introduces new risk, but the much lower interest rates you can usually get compensate for that risk. Another option involves taking advantage of credit card introductory offers that offer 0% interest for a limited time.
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