Jim Cramer - EzineArticles.com Expert Author Bio

Jim Cramer - EzineArticles.com Expert Author

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How to Avoid Private Mortgage Insurance (PMI)
[Real-Estate:Mortgage-Refinance] Many home buyers find it difficult to provide the required 20% down payment and are forced to pay private mortgage insurance, or PMI, in order to buy a home. Private mortgage insurance solves the down payment problem but creates another two: it increases monthly payments and on top of that it is not tax deductible. Fortunately, there is more than one way to get your desired home without having the 20% down payment and avoid PMI at the same time.

How to Shop for a Home Equity Line of Credit (HELOC)
[Real-Estate:Mortgage-Refinance] Shopping for a home equity line of credit (HELOC) is a relatively simple process compared to shopping for a mortgage mainly because with a HELOC the most important features you need to look for are the same from one lender to another. Still, it has some specific characteristics you need to be familiar with in order to shop successfully. Here are some of the most important features of home equity lines of credit you should understand and examine when shopping for a HELOC.