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Discover Card is serious about safeguarding your personal information online.When you access your account and perform transactions on the Discover site we use 128-bit-Secure Sockets Layer (SSL) encryption technology-the most widely used method of securing internet transactions available today.Some refinancing programs have modified guidelines. Lenders look at your debt-to-income (DTI) ratio, which is the amount of monthly debt payments compared to income.Lenders want to see enough income to cover all debt.Refinancing a first mortgage plus an equity loan usually follows the same underwriting rules as applying for a new mortgage.You must meet income guidelines, be creditworthy and have a low percentage of debt compared to income.If you own your own home and have equity that’s built up over the years, a home equity loan could be the most affordable way for you to consolidate your debt.Instead of continuing to pay high interest rates that come with credit card debt, simply pay off the debt using the equity in your home at a low, fixed interest rate.

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Home equity loans generally have much lower closing costs than standard first-lien mortgages.For a niche group of homeowners with plenty of equity, refinancing a first mortgage with a home equity loan could make sense, now that mortgage rates have gone up.It truly is a niche group: homeowners with equity who plan to sell their homes within a couple of years and who would benefit by taking advantage of a home equity loan's lower closing costs from a bank that specializes in first-lien home equity refinance loans.Rates on first-lien home equity loans can be as little as one-quarter of a percentage point higher at a few banks that market these loans.At most banks, the difference is much bigger: 3 or 4 percentage points.

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