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I have a mortgage & home equity line of credit with the same lender. The rate on the equity loan is currently 2.5% (prime – 3/4). I was thinking of refinancing my mortgage and taking out a little cash to pay off some credit cards. My question is, if I refinance my mortgage do I have to pay off the balance on my home equity loan?
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My question is regarding a new act President Bush signed on Dec.20th, 2007, The Mortgage Debt Relief Act of 2007 also known as H.R. 3648. Does this Act pertain to Home Owners that are currently selling their home and have no choice but to do a SHORT SALE due to the decreased value to avoid Foreclosure and also to avoid the taxable income from the IRS? Please Advise
