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Mortgage

Mortgage - Credit Tips

Determining Your Goals
The first step in deciding what type of loan to get and how much you should borrow is to determine your goals. Are you trying to lower the interest rate on your current debts or pay back your debts more quickly? Do you need to make a big purchase? Refinance loans are a great way to tackle expenses such as these:

Pay Off Debt
You may be able to use the equity in your home to pay off your entire credit card debt or other personal loans all at once, saving you money on interest. An added bonus: Interest on mortgage loans is generally tax-deductible.1

Make Home Improvements
It pays to maintain and improve your home's value. If your home's value increases, so does your home equity. By using equity to make home improvements, you are reinvesting in your home.

Pay for College
Mortgage interest rates are usually lower than student loan rates, which could save you money in interest payments. Also, unlike student loans, mortgage interest payments are generally tax-deductible.1

Buy a Car
Interest rates are generally lower on mortgage loans than on auto loans, so using your equity may be a better financial decision than getting an auto loan. Also, unlike auto loans, mortgage interest payments are generally tax-deductible.1


1Consult your H&R Block tax advisor about your situation.
 Return to Credit Tips  Next: Tax Advantages of Home Loans
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