Should You Use a Cash-Out Refinance to Consolidate High-Interest Debt?

Many homeowners refinance to pay off debt that has built up over time, such as credit cards and auto loans. If you find yourself struggling with high-interest debt, you’re not alone. According to Experian, the average American household has $92,727 in personal debt.
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Benefits of A Cash-Out Refinance

Buying a home is certainly one of the biggest financial investments you’ll ever make. Keeping a home as comfortable and up to date as possible is key to loving the home you’re in. However, sometimes it’s difficult to come up with extra cash for home renovations and repairs. If you find yourself in...
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HELOC vs. Cash-Out Refinance

The value of most homes has been on the rise. If you’re in need of cash to replace the roof, update the kitchen, pay for education, or help finance a new place for the kid who’s back from college and living rent-free in the basement, your home's rising value may provide the leverage you need to...
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Debt Consolidation Calculator

Did you know that interest savings may be hiding in your mortgage? When you think of a mortgage loan, you typically think of interest costs. But if you consolidate other debts into your mortgage, you can start thinking of interest savings instead.
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Top 2022 Home Renovations for Maximum ROI

If you’re planning on selling your house in 2022 or if you’re looking to tackle some home renovation projects, we’ve got the top renovations that will give you the highest return on your investment. Find out what’s trending this year and learn about our Home Renovation Mortgage Loans.
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The Fed Increased Rates | What Does This Mean For You?

If you haven't already heard the news, interest rates are on the rise. The Fed promised, and they delivered in their meeting this week.
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NJ Conventional Down Payment Assistance Program

If you’re a first-time home buyer looking to purchase a home, then you’re familiar with the high ticked price tags these homes come with. They have certainly skyrocketed. It’s common to feel discouraged and to feel as if homeownership is out of reach these days, but we’ve got good news. Luckily,...
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May is Home Remodeling Month

It's that time of year when many of us start making updates to our homes. May is Home Remodeling Month and Emerald Home Loans is celebrating all month long! Be sure to visit our Facebook and Instagram pages for remodeling inspiration, trends, and information regarding home improvement.
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An Energy Efficient Mortgage – Does it Even Exist?

Green mortgages do exist, but what exactly are they? Green mortgages are an environmentally friendly type of home loan. How do you make a mortgage environmentally friendly; you might ask? Green mortgages, also known as Energy Efficient Mortgages (EEM), are a special type of loan designed to make...
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3 Tips for Single Home Buyers

The thought of buying a home on your own as a single home buyer can be intimidating. If you’re making this leap, it’s going to take careful planning and the right team of experts.
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