But here’s the problem ???? there’s a LOT of misinformation out there.

???? Myth 1: You automatically qualify just because you have a mortgage.
???? Myth 2: A HELOC is just a “giant credit card” for vacations.
???? Myth 3: All HELOCs are the same.

Reality: Every HELOC program is different. Terms, repayment, and strategy matter. If you assume they all work the same, you could get blindsided—and that mistake can cost you thousands.

Jason & I are breaking down the 5 most common HELOC myths so you can avoid traps and actually leverage your home equity the right way.

???? Whether you’re considering a refinance, HELOAN, or debt consolidation strategy, knowing the facts is key to protecting your financial future.

#HELOC #Refinance #DebtConsolidation #HomeEquity #MortgageTips #FinancialFreedom #WealthBuilding

The Clear Close (DBA of West Capital Lending, Inc.) is an Equal Housing Lender; NMLS – 1566096

Nikki Yun – NMLS 13516 | DRE 02116357
Jason Kim – NMLS 1680429 | DRE 02178073
Peter Ahn – NMLS 2664403 | DRE 02252395

https://westcapitallending.com/licensing
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Americans have racked up record levels of credit card debt, which is up 8 percent from a year ago. Many borrowers have fallen behind in paying their payments. NBC News’ Christine Romans reports.

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#CreditCard #Debt #Economy

Is it still worth it for low-income students to attend college, given the debt incurred? This book provides a new framework for evaluating the financial aid system in America, positing that aid must not only allow access to higher education, but also help students succeed in college and facilitate their financial health post-college.

• Reveals the inadequacy of the scope of the current educational and economic policy debates, including moves to funnel low-income children toward two-year degrees, structure alternative debt repayment schedules, and constrain increases in college tuition

• Answers the question: “Does the student who goes to college and graduates but has outstanding student debt achieve similar financial outcomes to the student who graduates from college without student debt?”

• Examines an important subject of interest to educators, students, and general readers that is related to the larger topics of education, economics, social problems, social policy, public policy, debt, and asset building

• Provides empirical evidence and theoretical support for a fundamental shift in U.S. financial aid policy, from debt dependence to asset empowerment, including an explanation of how institutional facilitation makes Children’s Savings Accounts potentially potent levers for children’s educational attainment and economic well-being, before, during, and after college

America is currently involved in one of the worst economic crises of modern times. As alarm increases over how the government will balance the budget, handle the debt, and maintain prosperity for the future, the minutia of debts and deficits remains incomprehensible to many. Why is it so hard to find ways to resolve the fiscal crisis? This brief and intelligible book is a guide to understanding both the difficulties involved in managing the federal budget and why the on-going fiscal crisis is so significant for America’s future.

In order to introduce the reader to the basic composition of federal spending and to the ways that the government raises revenue, Hudson begins his guide with a “map” clarifying how to navigate the federal budget. He defines basic financial vocabulary and outlines concepts by using clear charts and diagrams that both provide basis for discussion and illustrate key points. With this budget map in mind, the second part of the book lays out how the partisan divide in America helps explain the fiscal crisis. Hudson analyzes the debate on the extent of the fiscal crisis, the ways that political parties have tried to solve it, and the political events and institutions that have surrounded the crisis.

This citizen’s guide reveals how differing views of America inform the arguments over deficits and debt. By the time readers finish the book, they will understand that the conflict over deficits and debt is not simply about where to cut or add spending, but instead is a struggle over national priorities and visions for the future.