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Home Improvement

Home improvement loans are typically lines of credit with variable rates. Equity lines are usually linked to a financial index or rate. The Prime Rate is what most banks use to keep credit line rates slightly above current mortgage rates. You see "Prime + 1". If the Prime Rate is 8.5, your rate is 9.5 and adjusts annually.
You may decide to take a fixed rate second mortgage loan for 10, 15, or 20 years.
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