Consolidating debt into a

02-Nov-2016 05:42

There are plenty of reasons but the biggest is lowering your interest rate and taking control – you decide your monthly payment and improve your credit in the process.

Debt consolidation is the process of merging outstanding debts such as multiple credit card balances or personal loans into one single loan.

Debt consolidation involves combining multiple unsecured debts into one bill, which can be helpful if you’re overwhelmed by an assortment of monthly payments.

You can consolidate a variety of debts, including credit cards, payday and personal loans, utility bills, and medical expenses.

When you begin house shopping, consider looking for foreclosures.

Foreclosed homes often sell for considerably less than their fair market value, which gives you extra wiggle room where your LTV is concerned.

In addition, mortgage interest is tax deductible whereas most other interest charges are not.

Your income and credit history aren't the only aspects of your financial stability that your lender evaluates when you apply for a mortgage.

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The lender does this by calculating your debt-to-income ratio or DTI.

You can also make a sizable down payment to lower your LTV, but if you have the extra money to make a large down payment, you might realize a greater financial benefit by using the money to pay down your debts directly.

Although finding a home you love that also meets your lender's LTV requirements presents a challenge, it is well worth it in the end.

Debt consolidation loans can be a great option, not only because it streamlines monthly payments, but also because, in many situations, you may get a reduced interest rate and lower total monthly payment.

Maggie Germano, a certified financial education instructor and financial coach in Washington, D.This allows you to determine when you want to pay off the loan with one fixed monthly payment rather than confusing multiple payments at different rates. In a lot of cases, you can also reduce your interest rates, especially in the case of holding high-interest credit cards.

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