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Discussion in 'Credit Talk' started by david1, Sep 30, 2003.
Anybody had experience with bankone.
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Bad idea. Texas is a homestead state, meaning that you can only lose your house if 1) you don't pay your mortgage, 2) you don't pay your property taxes, 3) mechanics or materialman lein, 4) you don't pay your HOA dues.
Meaning, never a good plan to give up equity to pay down unsecured debt or go on vacation. You could rack up $100K in cc debt and they can't touch your house here.
I agree with you 100%. The catch here is you pay just the interst monthly and pay off whole amount at the end of the term. I do have 25k in savings as a reserve in case of job loss. I was thinking of car loan payoff and use this interest paid to deduct some taxes. thanks for your reply