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baggeaux

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Favorite team:LSU 
Location:Houston
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Number of Posts:2
Registered on:3/5/2026
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re: Home interest rates- BR area

Posted by baggeaux on 3/6/26 at 8:18 am to xBirdx
If you only want 15k, I would just do a HELOC. They usually have less fees and sometimes none at all if you go through your bank. You have some pretty epic interest rates, I wouldn't refinance for 15k and wind up with an 8% IR.
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re: Home interest rates- BR area

Posted by baggeaux on 3/5/26 at 8:45 am to xBirdx
Just to Clarify, you mean a second mortgage on your primary house? What is your interest rate right now? rates on a second mortgage are always a little higher. Given that the second mortgage accounts for a smaller loan amount, the difference in a .25-.5 drop isn't going to be that impactful as say on your primary mortgage. You could always do a HELOC.
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