Home Equity Options: Key Benefits and Considerations

Key Benefits Worth Considering If You ...
  • Borrow as needed, with rates typically lower than other loans or credit lines
  • Borrow as little or as much as you need, up to your approved credit line
  • Lock in a fixed rate on existing balances anytime
  • Interest may be tax-deductible

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  • Are planning a major expense with multiple payments over time
  • Want to consolidate debt with the flexibility to borrow more funds in the future
  • Want a ready source of money for future needs
  • Enjoy the security of fixed rates and fixed payments for the life of your loan
  • Interest may be tax-deductible

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  • Have a home-improvement project or other one-time expense over $15,000
  • Want to consolidate debt and stay focused on paying it off
  • Want to keep your current mortgage in place
  • No-closing-cost option
  • A great way to get new mortgage terms and borrow additional funds for one-time expenses at the same time
  • Interest may be tax-deductible

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  • Owe less than $150,000 on your home
  • Have a reason to refinance (e.g. to get a better rate, shorten your loan term or switch to a fixed-rate mortgage)
  • A great way to get new mortgage terms and borrow additional funds for one-time expenses at the same time
  • Interest may be tax-deductible

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  • Owe more than $150,000 on your home
  • Have a reason to refinance (e.g. to get a better rate, shorten your loan term or switch to a fixed-rate mortgage)

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