Here's what you need to know to determine if a home equity loan or HELOC is best for you now.
When you want to take advantage of rate decreases:
What goes up must come down, and eventually, rates will begin to drop. When this happens, you can enjoy lower interest charges if you choose a HELOC since the rate is variable. This can cut down on your total borrowing costs.That said, a variable rate means you can't predict exactly how much your monthly payments will be over the duration of repaying your HELOC.
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