Consolidating mortgage and home equity loan
Every time you make a mortgage payment, you gain a little more equity in your home.
To calculate your equity, determine how much you still need to pay on your mortgage principal.
Estimating your home value can give you a rough idea of how much equity you have, but an appraisal is the only way to know for sure.
You can access the equity you’ve built for several different purposes, including lowering your payment, making home improvements, paying tuition and consolidating debts.
Your mortgage lender owns the rest until you pay off your loan.
For example, let’s say you buy a home worth 0,000 with a 20% down payment of ,000.



However, you can request that your lender cancel PMI when you reach 20% home equity.
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