Considering consolidating your debts into "one easy monthly payment?" Advertisements for "fast closings" and "low payments" starting to sound attractive? Maybe you would simply like to re-do the kitchen or bathroom... and those promotional offers for "Money for home improvements!" in the mail are starting to look pretty good.

"Home Equity Loans and Home Equity Lines of Credit," the latest booklet in HSH's "A Homeowner's Guide To" series, can help you understand the ins and outs of borrowing the equity out of your home. This objective 12-page booklet will tutor you as to how each product works and the advantages and drawbacks to each.

• the difference between a Loan and a Line of Credit
• how to estimate your available equity
• typical methods of accessing your credit line
• advance and repayment terms
• how home equity loans and lines are 'priced'
• interest rates floors and ceilings
• fixed-rate conversion options
• common fees and charges
• tax deductibility of your equity loan or line
• and the questions you must ask when shopping

If you're a thinking of tapping your equity, "A Homeowner's Guide to Home Equity Loans and Home Equity Lines of Credit " is for you.

This booklet is offered to consumers for only $4 to cover printing, shipping and handling.

Click here to order this product online!

If you prefer, you can send a money order (sorry, no personal checks) to this address:

HSH® Associates
Deptartment HEQ
237 West Parkway
Pompton Plains NJ 07444