Top 4 lenders for a home equity loan in 2018

A home equity loan is a way to finance repairs, college education, or medical bills as well as other major expenses. The equity of the homeowner is used as a collateral to procure a loan. Depending on the amount needed and your eligibility, the term, as well as the Annual Percentage Rate (APR), are decided by the lender. The following are the top four lenders for home equity loan in 2018:

  • Lending Tree
    This is one of the most trusted lenders. You may opt for a home equity loan or even a home equity line of credit with them. Their portal is simple to use, where you would just need to feed in the essential details to get the best rates. They have a speedy process, and you will get your loan within a matter of days if you fit their eligibility criteria.
  • U.S. Bank
    The home equity loan rates offered by the U.S. Bank are 4.89% APR for a 10-year term and 5.34% APR for a 15-year term. These rates require you to fulfill specific eligibility criteria, and you may check their portal to find out if you may get a loan from one of the most trusted banks in America.
  • Citibank
    Citibank offers a lucrative fixed rate of 7.09% APR for a loan taken for a 30-year term and 6.59% APR for a 10-year term. If you find that a line of credit with this lender will be more convenient for you, you may opt for that as well.
  • Citizens Bank
    Citizens Bank is a trusted name in the list of lenders for the home equity loans as well as home equity line of credit. They have some strict eligibility criteria, but a varied list of APRs as well as terms available for you to choose from. You may choose the required loan amount starting from $10,000 to $4,00,000 and then decide the required term to get a varied APR.

The application process for a home equity loan may take anywhere from a few days to a few months. After the process of paperwork, the borrower gets a loan in the form of a predetermined amount, which is a certain percentage of the value of the equity. Since this is a loan you get against your house, it is also known as a second mortgage. However, you may only take a home equity loan when the mortgage is clear.

YOU MAY ALSO LIKE

  • Business ideas for beginners
    An online business is the best business idea to start off with as a beginner. An online business will not only let you know where you stand as an entrepreneur, but also will tell you more about your area of expertise and will build up the skills in you as to how to manage everything independently. Some might start as an employee and then gradually build up the skills and potential needed to set up their own business. Here are some great ideas to pursue. Baker: Many young girls have a love for baking. One could start a food service business online by creating a creative and informational website, adding information of varieties of cakes and pastries you bake, the detailed description of the product and ingredients used with rates and purchase details. You can promote your website through social media pages. Translator: If you are fluent in a particular language, you can use that knowledge to help translate works into English or vice-versa. This is an easier job option that can easily be done from home when all you need is a web page siting the different language skills you possess. Blogger: You can start your own blog where you can post about the topics of your interest or expertise. You might get a very little income at the beginning, but with time, you can build a loyal fan base, increase your following and gain from ad revenue. Many people have made blogging as a full-time job and earn well too. Photography: You can fairly easily earn money by taking up photography as your profession. To become a photographer, you need to have certain artistic skills and knowledge of handling a camera. If that's done, then you are good to go. You can start by taking photographs of some events or wedding for your local clients. Designer/Stylist: If you are passionate about clothes, styling and putting looks together, you can either design outfits or you can offer to put looks together for parties and other events to individual. With experience, you can go big and approach noteworthy personalities to be your clients or you could exclusively become a wedding stylist and put together looks for the bride and her wedding party. The advantage of choosing an internet-based business idea to build up on, is that one doesn't need much in terms of investment. All you need is passion, your skill set and promote it on social media
  • Affordable women clothing brand that every woman should know of
    Since ages, the most obvious function of the clothing also known as clothes, attire or garment, has been to improve the comfort of the wearer. Other than that clothes are designed to enhance safety during activities like hiking, to providing a hygienic barrier between skin and the environment, to insulate against hot or cold climes, to protect from the elements of nature and last but not the least as a social norm. But the clothes have lately become more of style statement of the wearer, in addition to these functionality. Well, who would not want to look fashionable and stylish even in their everyday clothing? We are all always in the search for that cute and trendy fashion. The search for the chunky sweater, distressed jeans, or maxi dress for that outing or office never ends. Simple and classic everyday clothing is the basic foundation of a versatile and stylish wardrobe. So, to help you in your quest, here are some most affordable women’s clothes cheap. Mango Women Clothing Brand:  Mango is a renowned multinational clothing design and manufacturing company which designs, manufactures and markets men and women’s clothes cheap. With a youthful spirit and modern philosophy, Mango’s designs signify the latest in women’s clothes. They are made in wide variety of fabrics and materials like sturdy and stretchable denim, leather, breezy chiffons, and cool cotton with cuts, silhouettes, and embellishments. Mango has made the fast fashion faster. There is a big probability that your wardrobe is packed with clothes, that are common and that you can find in the wardrobe of every other fashionista too. So, if you are tired of looking same as everyone else and want to change the way you look, here are some reasons why you should consider buying from Mango:
    • Today,everyone will find something they like and in sizes they want while they are looking for women’s clothes in a Mango store. It carries tons of amazing dresses and everyday women clothes that you will simply adore.
    • You can choose any of the payment methods- either through a debit card, credit card or even PayPal. You can buy from the brick and mortar stores or get the merchandise delivered.The shipping is super fast, and they are very reliable. One of the offer is free delivery, if you shop for more than $ 50. You can also keep track of the order through their portal.
    • A confirmation about the dispatch of the order to the address of your choice is sent through the email. They have an amazing return policy in place. One gets 30 days on receiving the order to exchange the item for another size or request a refund by post.
    • Get inspired to combine and create your own customized high-end look, by selecting pieces which are on discounts. The price range for some women’s clothes starts from $10.
    • They have the grandest stock and always bring it with modern yet classic stylish look. You can’t get enough of the mega-retailer for it's in trend and formidable selection of everything, which you would want to wear at prices you can’t beat.
    • By keeping production up and expenses low, the economies of scale help them in giving high-end fashion trends at affordable prices. You don’t know what could be cooler than the fact, that they cover every trend one can imagine.
    From fast track deliveries to lightening new merchandise every two weeks, to price cuts on modern casual wear, this global brand has upped the fashion standards. Now that you are aware of  this affordable modern brand for everyday clothing, get ready to update your wardrobe on a budget without having to empty your pockets.
  • Features, pros, and cons of the Echo Plus
    The first Echo by Amazon was a physical manifestation of its AI (artificial intelligence), Alexa. The digital assistant helped control smart homes through voice commands and was also a wireless speaker. Amazon went a step ahead with Echo Plus when it integrated a Zigbee module with the device. This eliminated the need for an array of other smart modules plugging in your network. Before we list out the pros and cons of buying the new Echo Plus for your smart homes, let us first get to its specs and features out of the way. When it comes to design, it is hard to tell apart the new Echo Plus and the Original Echo’s Silver option. Echo Plus has the same size and design as compared to the old one. It has the same control buttons. Talking about a few minor differences, the new echo Plus has got some ergonomic upgradations like power input being moved to the rear instead of the underside of the unit. This makes plugging even simpler. The setup of Echo Plus is quite simple and hassle-free as it works on all platforms (Android and iOS). You can download the Alexa app through web free of cost on your phone and pair it with Echo Plus with the app with the help of Wi-Fi. Speaking of sound quality, the new Echo Plus has a downward firing woofer which makes it a better audio performer when compared with its predecessors. But, there’s a catch, when you compare it other smart audio devices, Echo Plus underperforms in terms of treble and begins to distort when at harsher and higher volumes. So here are some of the pros and cons of buying the new Echo Plus Pros
    • Expanded range of features
    • Clean audio with good bass and voice control
    • In-app smart device control
    • User-friendly setup
    Cons
    • Low sound quality when compared with similar audio smart devices of the same price range
    • Although it comes with Zigbee module, it does not interface with Zigbee sensors and switches
  • Counseling for drug and alcohol addiction
    Counseling is an important part of many rehab and addiction programs and is seen as an essential component and aspect of treatment for drugs or alcohol addiction. There are many ways in which counsels can approach their work. They see addiction as an illness and approach it in a similar manner. It has to be treated with a combination of techniques and strategies. Counseling is a residential program and they work within a specified framework. This helps a therapist to adapt to the individual needs. A drug addiction rehab may employ counselors from different frameworks in an effort to broaden the skill set of its team. Education in rehab is a learning process they learn to identify and correct any problematic behaviors. Relapse covers several cognitive-behavioral strategies well as provide help for people who experience a relapse. They are taught to explore negative and positive consequences of continued use of drugs, to monitor situations which lead to drug cravings, and to create and develop strategies to cope and avoid such risky situations.  Counseling helps them to see these situations and teaches them skills to effectively cope with it. The therapist and counselor work as a teacher and a coach so that they can foster a positive relationship with the patient and encourage positive behavior. Their relationship is non-confrontational. They promote the patients' self-esteem, self-worth, and dignity. Treatment in addiction programs includes family therapy, group therapy, drug education, and self-help. Therapy is divided into two parts: a supportive technique where the patient feels comfortable talking about personal life and an expressive technique where they identify and work on the interpersonal relationship. They also address issues related to employment, illegal activities, medical, psychological, and social relationship. They present them with short-term goals which the patients can achieve and abstain from drugs. The therapist’s main aim is to equip the patient to take control of their lives and avoid situations which push them to take drugs. They help them recognize when an urge occurs and change the thoughts and feelings. They are also encouraged to involve the family and friends to help them avoid situations where they are alone and will be pushed to take drugs.
  • Can diabetes cause foot pain?
    Do you face extreme pain in your legs, and feet-related issues like ulcers, calluses, toe infections? Have you ever wondered why that happens? Well, the root cause of the problem might be diabetes. If you haven't tested for diabetes yet then maybe you should. Most patients who have diabetes suffer some sort of feet pain, mostly because of lower blood circulation and damaged blood vessels and peripheral nerves. In such cases, ask your healthcare provider for diabetic foot remedies. What causes the pain? Diabetes can cause two problems that can affect your feet.
    1. Diabetic neuropathy – This is a condition where the nerves in the foot get damaged because of uncontrollable high blood sugar levels. It leaves the foot numb, unable to feel heat, cold or pain. Ir also causes foot ulcers and the faulty alignment of the feet.
    2. Peripheral vascular neuropathy – This condition leads to hardening of the arteries because of poor blood circulation. It usually happens in arteries far from the heart and brain and results in lower oxygen delivery. Hence a cut or a sore takes more time to heal and in worse cases can also cause gangrene or tissue death.
    Almost 80 per cent of people who have diabetes are affected by some form of foot problems and are likely to seek diabetic foot remedies. What are the actual symptoms of diabetic foot pain? The most common thing that people complain about in diabetic neuropathy is a feeling of numbness. One might feel a tingling sensation or a sharp pain shooting through the lower limbs. Patients even complain of increasing pain during night time and lack of good sleep. Diabetic foot remedies are a combination of therapies that intend to bring relief from the pain though it cannot completely provide relief from the symptoms. What should you do? Diabetic neuropathy can also be controlled with proper exercise and acupuncture. Keeping the blood sugar under control is one of the major goals to meet since this can also reduce the pain.
  • Avoid these 3 foods to boost gut health
    Our body is home to tons of different microorganisms and bacteria. Most of these bacteria reside in our gut and are known as the gut microbiome. The gut microbiome is essential for absorbing nutrients, supporting the immune system, and maintaining the body's overall health. This is why it is crucial to know which foods to foods could harm your gut health. And one must avoid such foods at all costs to improve overall well-being. Artificial sweeteners Artificial sweeteners and flavors are found in various processed foods. But, when we consume the latter, the former does not break down in the body. Instead, they leave the body undigested and affect the microorganisms in the gut, leading to gas, bloating, and diarrhea, which may be severe based on how much sweetener you have consumed. Studies have also found that consuming artificial sweeteners increases the risk of developing harmful gut bacteria such as E. coli and E. faecalis. When purchasing foods off the shelf, ensure that the foods do not contain artificial sweeteners such as Stevia, sucralose, aspartame, and saccharin. Fried foods Fried foods are unsuitable for the body's overall health and can affect gut health negatively. Fried and oily foods are more difficult to digest than organic foods. Not to mention fried foods also typically contain excessive oil, which contains saturated and trans fats that are difficult to break down, eventually leading to gas, stomach ache, diarrhea, and other symptoms. Excessive saturated and trans fats can also harm the body's cardiovascular health and put you at risk of heart failure, heart attacks, stroke, and other secondary conditions. Meat Red meats such as steaks, bacon, and pork are rich in a compound known as L-carnitine. This compound can alter the bacteria in the gut leading to poor gut health. This alteration can also lead to the development of a substance called trimethylamine N-oxide, more commonly referred to as TMAO. High levels of TMAO in the body can increase the risk of cardiovascular conditions such as heart attacks and stroke. Studies have found that a high intake of red meat can lead to a higher risk of colorectal cancer and bowel diseases. Aside from avoiding certain foods, you can also try supplements to improve gut health. Supplements contain probiotics, collagen, zinc, and other nutrients that can help boost gut bacteria and improve your digestive system.