HELOC table

    💰 Tap Into Your Home’s Equity — Stop Paying 20% Interest

    Use your home’s value to get cash for renovations, debt payoff, or major expenses — at a fraction of credit card rates.

    ⚖️ Compare Options

    Option Rate (APR) Monthly Cost
    ✅ Home Equity Loan6%–9%Low
    ✅ HELOC6%–10%Flexible
    ❌ Personal Loan11%–24%High
    ❌ Credit Cards19%–29%Very High

    💡 Example: Borrow $50,000

    Option Rate Monthly Payment
    ✅ HE Loan8.5%$620
    ❌ Credit Card22%$1,000+

    📊 Why It Makes Sense

    • ✅ Lower rates than credit cards
    • ✅ Keep your low first-mortgage rate
    • ✅ Use for projects or debt consolidation
    • ✅ Possible tax benefits on improvements

    Rates and terms vary. Compare lenders before applying. Not financial advice.