Kimberly Goodwin, PhD

Kimberly Goodwin, PhD

Dr. Kimberly Goodwin is currently the Parham Bridges Chair of Real Estate and an Associate Professor of Finance at the University of Southern Mississippi. She holds a B.S. in Geophysics from the University of Delaware, a M.B.A. from the University of Southern Mississippi, a M.S. in Finance from the George Washington University, and a Ph.D. in Finance from the University of Alabama. Dr. Goodwin’s research focuses on real estate markets and has been published in some of the top real estate journals. She is also a Co-Editor for the Journal of Housing Research.

Articles by Kimberly Goodwin, PhD:

04
Sep
Pros & Cons of Home Equity Lines of Credit

A home equity line of credit is a popular way for homeowners to get extra cash to pay off high-interest debt, make home improvements, take a big vacation, or send their children to college. Homeowners can access the equity they built up in their home over time. Lenders charge relatively low interest rates on a home equity line of […]

Posted in: Home Equity,
04
Sep
Home Equity Loan and HELOC Requirements

Homeowners who have been thinking about borrowing against the equity in their homes can use a home equity loan or home equity line of credit (HELOC) to do so. With a home equity loan, borrowers receive a lump sum loan amount that they repay over a predetermined term length. With a HELOC, borrowers have the option of taking a lump-sum payment [

Posted in: Home Equity,
04
Sep
How to Get a Small Home Equity Loan

A home equity loan can be one way to access cash for home improvements, vacation, debt consolidation, or any other financial need you may face. Your home equity loan allows you to borrow against the equity in your home and pay it back over a long period of time. If you need to take out a small home equity loan, continue below […]

Posted in: Home Equity, Resources,
04
Sep
Shed Loans: Compare Your Options

The end of the summer can be a great time of year for building an outdoor shed. The weather is still nice, and you might need a place to store things like lawn care tools over the winter months. Sheds, however, can be surprisingly expensive. So you might need to consider taking out a loan […]

Posted in: Personal Loans,
04
Sep
Using a Home Equity Loan or HELOC on an Investment or Rental Property

You can use the proceeds from your home equity loan or home equity line of credit (HELOC) in any way you want—including on an investment or rental property. Using your home equity to put a down payment on or purchase an investment property is possible, and is often one of the cheapest borrowing options you may have. If you […]

Posted in: Home Equity, Home Equity Uses,
04
Sep
Driveway Paving Financing Options

The cost of repaving your driveway could cost you thousands of dollars. If you don’t have the cash on hand, there are several driveway financing options including personal loans and home equity loans.

Posted in: Personal Loans,
04
Sep
Can You Take Out a Home Equity Loan on a Paid-Off House?

If your house is paid off and you need access to funds, you can likely get a home equity loan assuming you meet the other eligibility requirements. A mortgage and a home equity loan are two separate loans, so a homeowner does not need to have a mortgage in order to get a home equity […]

Posted in: Home Equity, Learn More,
04
Sep
Are Home Equity Loans Tax Deductible?

One of the benefits that home equity loans and home equity lines of credit (HELOCs) have over other borrowing options is that the interest is tax deductible. When you take out a personal loan or borrow from a credit card, for example, you pay a higher interest rate and cannot claim a deduction on your taxes. How Tax Plan […]

Posted in: Home Equity, Resources, Taxes,
04
Sep
Can I Use a Home Equity Loan to Buy Another House?

Real estate is a relatively safe investment since it seldom declines in value and you get to use or rent the property while it appreciates in value. If you are looking to buy a second home, you may be wondering if you can use a home equity loan from your primary residence to do so. […]

Posted in: Home Equity, Home Equity Uses,
04
Sep
What Does Dave Ramsey Think About Home Equity Loans?

Dave Ramsey strongly recommends against using home equity loans and HELOCs, but there may be situations where using one makes sense.

Posted in: Home Equity,