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But before you start sending your spare cash to your lender, you need to make sure your overall finances are in order.

Paying extra on your mortgage isn't always the smartest use of your money. Whichever type of financing you choose, home equity rates are very attractive right now.

That means if your home appraises for 0,000 and the balance on your primary mortgage is 0,000, you could borrow up to ,000 with a home equity loan or line of credit and still retain 10% equity, or ,000.

To get the best interest rates with most lenders, you'll need a credit score of at least 740.

The best solution is to use such a phone once in a while to keep it live.

If you don’t use it you could lose it but if that happens don’t let the provider pocket any credit without a fight.

You might be tempted to choose a HELOC because of its lower interest rate.

But since today's interest rates have almost nowhere to go but up, a HELOC's variable interest rate could end up costing you much more over the loan term than a home equity loan's fixed rate, even though the fixed rate is higher initially. Lenders can freeze or reduce your line of credit without warning if they learn of a change in your financial circumstances or a drop in your home's value.