Lower Your Monthly Bills. Consolidate Your Bills with A Lower Interest Loan. NOW is the Perfect Time to Consolidate Your Debt or Prepare for a "Rainy Day" . . . Economic Factor #1: Interest rates are at historic lows! Economic Factor #2: Home values are at their highest point in 6 years! Take advantage of your home's current high value and today's low interest rates to lock in now. In these uncertain times, a home equity line allows you to draw only what you need and save the rest as reassurance against a "rainy day." Right now, you have the opportunity to consolidate your debt into one payment that can easily be 4% interest (after taxes)*. When you compare the advantages of a home equity loan or line of credit (HELOC), the choice is clear. Home Equity Loan or Line of Credit rates are as low as 6.75%APR (that's 4.25% after taxes*) Significantly reduce your monthly payments Consolidate all your bills into one easy payment Get a tax deduction* Unlike most banks, E-LOAN's home equity loans have: No Intro Rate No "Teaser" Rates No pre-payment penalties Did you know.... Nearly 8% of disposable income per household is spent paying down consumer debts such as credit cards and car payments. Imagine the money you would save if you could cut your interest rate by more than half ! Source: Federal Reserve Board The savings are significant... Calculate YOUR Savings! Use our Debt Savings Calculator to see how much you can save by consolidating your current loans into a single lower interest rate loan. This is a completely anonymous service that we offer you absolutely free. We're so sure that when you 'do the math' you'll wonder why you didn't apply for a HELOC sooner! Click here to learn more! *Consult your tax advisor. **Savings calculated on $5,000 credit card debt at 17.9%APR and $14,000 auto loan at 8.5%APR vs. a $19,000 home equity line of credit at 6.625%APR. . NEED A JOB? Click for your FREE JOB SEARCH.