{"id":5933,"date":"2024-08-19T09:47:21","date_gmt":"2024-08-19T13:47:21","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=5933"},"modified":"2024-08-19T09:47:25","modified_gmt":"2024-08-19T13:47:25","slug":"what-resources-exist-for-deed-holders-who-need-cash","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/what-resources-exist-for-deed-holders-who-need-cash\/","title":{"rendered":"What Resources Exist for Deed Holders Who Need Cash?"},"content":{"rendered":"\n<figure class=\"wp-block-image aligncenter size-full is-style-rounded is-style-rounded--1\"><img loading=\"lazy\" decoding=\"async\" width=\"1430\" height=\"724\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2024\/08\/what-resources-exist-for-deed-holders-who-need-cash.webp\" alt=\"\" class=\"wp-image-5934\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2024\/08\/what-resources-exist-for-deed-holders-who-need-cash.webp 1430w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2024\/08\/what-resources-exist-for-deed-holders-who-need-cash-300x152.webp 300w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2024\/08\/what-resources-exist-for-deed-holders-who-need-cash-1024x518.webp 1024w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2024\/08\/what-resources-exist-for-deed-holders-who-need-cash-768x389.webp 768w\" sizes=\"auto, (max-width: 1430px) 100vw, 1430px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Ever heard the phrase <em>house rich, cash poor<\/em>? It can be frustrating to have a valuable home and empty pockets.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You might be dealing with job changes, emergencies, new goals, hopes and dreams&#8230; And you need cash. Can you reach into your property value to get the cash now \u2014 without downsizing to a cheaper home?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You know that holding a deed is&nbsp;a <a href=\"https:\/\/www.deeds.com\/articles\/buying-a-house-to-save-money-its-a-tried-and-true-method\/\">wealth-building technique<\/a>. And the key is home equity. Equity is the \u201cpaid for\u201d part of your home\u2019s value. Homeowners have amassed a lot of equity in the last several years. And today, there are plenty of options to reach it. Let\u2019s check some out \u2014 from tried-and-true loans, to cutting-edge equity-sharing platforms.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">One Good Loan Deserves Another: The Home Equity Loan<\/h2>\n\n\n\n<figure class=\"wp-block-image alignright size-full is-style-rounded is-style-rounded--2\"><img loading=\"lazy\" decoding=\"async\" width=\"602\" height=\"902\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2024\/08\/one-good-load-deserves-another.webp\" alt=\"\" class=\"wp-image-5935\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2024\/08\/one-good-load-deserves-another.webp 602w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2024\/08\/one-good-load-deserves-another-200x300.webp 200w\" sizes=\"auto, (max-width: 602px) 100vw, 602px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">A home equity loan (\u201cHEL\u201d or \u201csecond mortgage\u201d) gets the deed holder a lump-sum payment. HELs work for something that needs one large payment: getting rid of credit-card debt, for example, or putting an addition on a home.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Like a regular mortgage, this second mortgage comes with predictable, fixed-rate monthly payments \u2014 and closing costs. The length of a HEL term can be five years, 15 years, or longer. &nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Who qualifies? The typical HEL customer:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Has more than 20% equity in the home.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Has a strong credit profile, due to faithful repayment of the regular mortgage.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Has a manageable <a href=\"https:\/\/www.deeds.com\/articles\/all-about-dti-how-much-debt-is-too-much-if-i-want-to-buy-a-home\/\">debt-to-income ratio<\/a>.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Earns enough money to handle the regular mortgage plus the HEL.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Interest rates vary, depending on the borrower\u2019s credit profile. In any case, home equity loans charge slightly higher interest rates than first mortgages. But they do beat credit card or personal loan rates. And if you use the money on home improvements, you can get tax deductions for the interest.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When applying, you\u2019ll need the typical mortgage documentation: tax returns, proof of assets and income. Expect the lender to order a new appraisal. Sound familiar?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Caution:<\/em><\/strong> Your property is the collateral for the home equity loan. Should you run into problems handling the extra loan, you could be at risk of losing your home to the lender \u2014 even if it was paid-off when you took out the HEL. All liens must be resolved if you need to sell.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Home Equity Line of Credit: Use Just What You Need &nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A home equity line of credit (HELOC) feels more like, well, a line of credit. Some homeowners max out credit lines, paying interest on what they borrow. Some don\u2019t. But all HELOC borrowers may draw money as they see fit during the first five or ten years. After that, a repayment period (often 20 years long) begins. Then, the borrower stops drawing, and repays the balance plus interest.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Why do this? Usually, to meet a goal with continuing expenses. Maybe a degree. Or medical bills. Retirement goals. Or starting up a business. Maybe accessibility features for your home. Doing these things with a HELOC can be cheaper for most long-time deed holders than getting a personal loan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As with a HEL, you\u2019ll get a new <a href=\"https:\/\/www.deeds.com\/articles\/heloc-how-home-equity-lines-of-credit-impact-a-homes-title\/\">lien on your title<\/a>. That\u2019s strong collateral! So here again, you\u2019ll get to borrow at a lower rate than credit cards, or even a HEL, can offer you. Yet lenders do charge more in interest rates on these than they charge for your regular mortgage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Look out, though! Adjustable HELOC interest rates can climb suddenly. Also look for annual fees, origination fees, early payment penalties, and the large payment due at the end.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On the bright side, interest on a HELOC used to upgrade your home is deductible if you itemize on your 1040.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Switcheroo: The Cash-Out Refinance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A cash-out refinance can work for people with a lot of home equity, who need money for debt consolidation or a big-ticket household expense. The cash-out refinance ends the existing mortgage, which you replace with a larger loan. You get cash in return. Because it\u2019s a new loan, the rate can be higher than for regular mortgage refinancing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rates are fixed or adjustable. As usual, the stronger your credit profile, the more attractive the interest rates will be.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And, just like a regular refi, a fixed-rate refi is especially worth considering when mortgage rates dip.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It does require an appraisal. Expect closing costs up to 5% percent of the loan amount. Lenders may have ways to help you cover these costs. Check mortgage companies to compare what they\u2019re offering.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Seniors\u2019 Silver Lining? The Reverse Mortgage<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Are you 62+ with a heap of equity? Then you have an extra option: the reverse mortgage. This makes cash available to deed holders who\u2019ve paid off most of their mortgages.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Why is it called <em>reverse<\/em>? The reverse mortgage pays you! With a reverse mortgage, homeowners do not have to make monthly payments. So, the reverse mortgage balance grows over time (with interest and fees).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When does the lender finally get its funds back? When the deed holder sells or moves, or dies. So now we see the superpower of the reverse mortgage. It can keep seniors comfortably in their homes for life.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Just remember, if you pass away with a reverse mortgage on the home, it\u2019s due \u2014 and your survivors must resolve the debt. And as the <a href=\"https:\/\/consumer.ftc.gov\/articles\/reverse-mortgages\" target=\"_blank\" rel=\"noreferrer noopener\">Federal Trade Commission<\/a> tells us, pulling out your home equity through a reverse mortgage can tie your hands later, in the case that you decide to move out of the home. Also, the reverse mortgage charges higher interest rates than a HEL or a HELOC would.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Start here \u2192 for counseling and other <a href=\"https:\/\/hud4.my.site.com\/housingcounseling\/s\/?language=en_US\" target=\"_blank\" rel=\"noreferrer noopener\">resources related to reverse mortgages<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">I\u2019ll Gladly Pay You Tuesday: Shared Equity Agreements<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Got 20% equity or more, want to pay for something today, without signing up for greater debt? You might be interested in a new class of startups on the home equity scene. Find out more by searching for <em>home equity investments<\/em> or <em>shared equity agreements<\/em>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With equity sharing, the deed holder gets a lump sum in return for a share of the price the home will be worth, say, 10 or 30 years from now. In effect, it\u2019s a trade of cash for a share of your home value\u2019s growth potential.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Deed holders need not make monthly repayments on the amount, nor pay interest. So, equity sharing presents options for people who don\u2019t have especially strong credit profiles.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You\u2019ll get access to a smaller slice of your home equity than you would if you\u2019d borrowed against it. And these agreements arrive at their moment of truth eventually. At the end of the term or when you sell the home, you must repay the cash, <em>plus<\/em> a percentage of your home\u2019s rise in value. All at once.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Wrapping It All Up<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u200dHome equity borrowing generally lets you reach some 80 \u2013 90% of what your home\u2019s currently worth. A mortgage lender can tell you how much you can tap. Lender requirements vary. Ask about required fees, appraisals, insurance coverage, and various closing costs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The key benefits? You can get that expensive project done, or consolidate your debt at a reasonable rate. And if you take out a HEL or HELOC to pay for upgrades to your home, the interest can turn into itemized deductions on your tax return.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tapping into equity can be worthwhile if it improves your financial situation, or creates a sound investment in your future. But tread with caution, because it adds to the parties who have an interest in your home\u2019s title.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Important note: <\/em><\/strong>This content is general information to help readers spot issues, but it does not constitute due diligence or individually tailored advice. <em>Deeds.com<\/em> is not a financial adviser. \u200dConsult your financial adviser to learn if cashing in on your home equity serves your needs and goals.<\/p>\n\n\n\n<div class=\"wp-block-group has-accent-5-background-color has-background has-small-font-size is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--10);padding-right:var(--wp--preset--spacing--10);padding-bottom:var(--wp--preset--spacing--10);padding-left:var(--wp--preset--spacing--10)\">\n<p class=\"wp-block-paragraph\"><strong>Supporting References<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Valencia Higuera and Ryan Tronier for <em>The Mortgage Reports<\/em>: <a href=\"https:\/\/themortgagereports.com\/72317\/can-i-get-a-mortgage-on-a-house-i-already-own-free-and-clear\" target=\"_blank\" rel=\"noreferrer noopener\">I Own My House Outright and Want a Loan: Is It Possible?<\/a> (May 16, 2024).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mia Taylor for Bankrate, LLC (part of Red Ventures) via <em>Bankrate.com<\/em>: <a href=\"https:\/\/www.bankrate.com\/home-equity\/get-equity-paid-off-home\/\" target=\"_blank\" rel=\"noreferrer noopener\">How to Get Equity Out of the House You\u2019ve Paid Off<\/a> (Mar. 11, 2024).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Allison Martin for Bankrate, LLC (part of Red Ventures) via <em>Bankrate.com<\/em>: <a href=\"https:\/\/www.bankrate.com\/home-equity\/how-much-equity-can-you-cash-out-of-home\/#faq\" target=\"_blank\" rel=\"noreferrer noopener\">How to Get Equity Out of Your Home \u2013 And How to Choose the Best Way<\/a> (Apr. 8, 2024).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vivian Tejada for Point Digital Finance, Inc., via <em>Point.com<\/em>: <a href=\"https:\/\/point.com\/blog\/what-is-house-rich-cash-poor\" target=\"_blank\" rel=\"noreferrer noopener\">What Does It Mean to Be House Rich, Cash Poor<\/a>? (Mar. 13, 2024); and Lindsay VanSomeren: <a href=\"https:\/\/point.com\/blog\/how-soon-can-you-pull-equity-out-of-your-home\" target=\"_blank\" rel=\"noreferrer noopener\">How Soon Can You Pull Equity Out of Your Home<\/a>? (Feb. 29, 2024).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And as linked.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>More on topics: <\/strong><a href=\"https:\/\/www.deeds.com\/articles\/how-to-replace-your-current-mortgage-with-cash-out-refinancing\/\">Cash-out refinancing<\/a><strong>; <\/strong><a href=\"https:\/\/www.deeds.com\/articles\/?s=HELOC+or+HEL\">HELOC or HEL<\/a><strong>?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Photo credits: <a href=\"https:\/\/www.flickr.com\/photos\/danmoyle\/5634567317\" target=\"_blank\" rel=\"noreferrer noopener\">Dan Moyle<\/a> via Creative Commons \/ Flickr (<a href=\"https:\/\/creativecommons.org\/licenses\/by\/2.0\/\" target=\"_blank\" rel=\"noreferrer noopener\">CC BY-2.0<\/a>); and <a href=\"https:\/\/www.pexels.com\/photo\/man-signing-a-document-with-a-real-estate-agent-8962684\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ivan Samkov<\/a>, via Pexels\/Canva.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Ever heard the phrase house rich, cash poor? It can be frustrating to have a valuable home and empty pockets. You might be dealing with job changes, emergencies, new goals, hopes and dreams&#8230; And you need cash. Can you reach into your property value to get the cash now \u2014 without downsizing to a cheaper [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":5934,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[57],"tags":[1693,1641,407,187,185,193,325,194,179,1127,1694],"class_list":["post-5933","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage","tag-cash-out-refinance","tag-deed-holders","tag-financial-planning","tag-heloc","tag-home-equity","tag-home-equity-loan","tag-mortgage-options","tag-property-value","tag-real-estate","tag-reverse-mortgage","tag-shared-equity-agreements"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Resources Exist for Deed Holders Who Need Cash? - Deeds.com<\/title>\n<meta name=\"description\" content=\"Explore the best home equity options for deed holders needing cash, from home equity loans to reverse mortgages and shared equity agreements. Learn how to leverage your property\u2019s value without downsizing. Get the financial flexibility you need now.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deeds.com\/articles\/what-resources-exist-for-deed-holders-who-need-cash\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Resources Exist for Deed Holders Who Need Cash? - Deeds.com\" \/>\n<meta property=\"og:description\" content=\"Explore the best home equity options for deed holders needing cash, from home equity loans to reverse mortgages and shared equity agreements. Learn how to leverage your property\u2019s value without downsizing. 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