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How To Use A HELOC: Easy Home Equity Line Of Credit Guide | TheRuethTeam.com

Learn how to make the most of your home equity with a Home Equity Line of Credit (HELOC). In this video, Nicole Rueth breaks down everything you need to know about HELOCs in simple terms. Please visit our website to get more information: http://theruethteam.com/ Find out how they work, the benefits, and what you need to qualify. Use a HELOC for home improvements, paying off high-interest debt, funding big events, or investing in new properties. Key Points: How HELOCs Work: Borrow money against your home’s equity, like a second mortgage or credit card. Qualifying: You need enough home equity, a good credit score, a manageable debt-to-income ratio, and a stable income. Pros and Cons: You can enjoy lower interest rates than credit cards, but remember that the interest rate can change, and your home is used as collateral. Let's dive into how you can tap into your home equity using a home equity line of credit or a HELOC. In this video: 00:00 - Homeowner equity in today's real estate market 00:24 - Using home equity with a HELOC 01:39 - How does a home equity line of credit work 02:35 - HELOCs are a revolving debt 03:05 - What is a HELOC draw period 03:28 - HELOC interest rates 04:06 - Qualifying for a HELOC 04:16 - Equity needed to use a HELOC 04:44 - Credit score needed to secure a HELOC 05:10 - DTI needed to get a HELOC 05:40 - Income needed to get a HELOC 06:03 - Are HELOC rates fixed? 07:09 - Your home is the collateral for a HELOC Homebuyer Resource: FREE First-Time Homebuyer Guide: https://bit.ly/3Pgzhhj Get Started on Your Homebuying Journey: https://bit.ly/nrueth If you found this video helpful, please like, comment with any questions, and subscribe for more real estate and mortgage tips every week. This video is about How To Use A HELOC: Easy Home Equity Line Of Credit Guide. But It also covers the following topics: HELOC Application Process HELOC Credit Score Requirements HELOC Debt-To-Income Ratio Video Title: How To Use A HELOC: Easy Home Equity Line Of Credit Guide | TheRuethTeam.com 🔔 Looking to build wealth through real estate? Subscribe for expert tips, market trends, and strategies to help buyers, investors, and agents succeed!    / @theruethteam   🔗 Stay Connected With US. 👉 Facebook (The Rueth Team):   / theruethteam   👉 Facebook (Nicole Leidel Rueth):   / nicolerueth   👉 Instagram:   / theruethteam   👉 Tiktok:   / theruethteam   👉 Linkedin:   / nicolerueth   👉 Website: http://theruethteam.com/ 📩 For Business Inquiries: [email protected] ☎️ Leave us a call at (303) 214-6393 ============================= 🎬 Recommended Playlists 👉 Denver Real Estate    • Denver Real Estate   👉 Mortgage Education    • Mortgage Education   🎬 WATCH OUR OTHER VIDEOS: 👉 FHA Loan 2024 - How Much Home Can You Afford with $100k?    • How Much House Can You Buy If You Mak...   👉 How to Buy a New House Before Selling Your Old One    • Top 4 Ways To Buy A New Home Before S...   👉 Economy is Strong, Interest Rates Higher for Longer    • Economy is Strong, Interest Rates Hig...   ============== ✅ About Nicole Rueth. Welcome to Nicole Rueth's channel! As a residential mortgage lender, we aim to provide easy-to-understand advice on real estate and market trends. Our videos help buyers, investors, and agents build wealth through smart real estate choices. You'll find valuable tips and insights here if you're new to the market or an experienced agent. Subscribe now and start your journey to financial success with real estate! Let's build wealth together! Nicole Rueth NMLS #239840 The Rueth Team Powered by Movement Mortgage 750 W Hampden Avenue, Suite 500 Englewood, CO 80110 For Collaboration and Business inquiries, please use the contact information below: 📩 Email: [email protected] 🔔 Smart real estate choices await! Subscribe now for valuable tips, market updates, and strategies to help buyers and investors build wealth through real estate!    / @theruethteam   ================= #heloc #homeequity #realestate #mortgage #financialtips #investment Movement Mortgage LLC. All rights reserved. NMLS ID #39179 (For licensing information, go to www.nmlsconsumeraccess.org). Additional information is available at movement.com/legal. Interest rates and products are subject to change without notice and may be unavailable during loan commitment or lock-in. Borrowers must qualify for all benefits at closing. Copyright Notice: This video and our YouTube channel contain dialogue, music, and images that are the property of Nicole Rueth. You are authorized to share the video link and channel and embed this video in your website or others as long as a link back to our YouTube channel is provided. © Nicole Rueth