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Often when homeowners need money for renovations or to pay off credit card debt, they tap into the equity in their home. One …

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A home equity loan, or HEL, is a type of second mortgage that provides you with a lump sum, which you repay at a fixed rate over a set term. A home equity line of credit, or HELOC, is an …

Others do so for a specific purpose, like buying a home, paying for a wedding or financing a child’s education. A personal line of credit can be secured or unsecured. Homeowners who have amassed …