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You can take cash out for home-related bills as wanted, rather than as a lump sum. Your home is used as collateral for a HELOC, and you’ll score decrease rates of interest because of it. When you are approved for a house improvement loan, you obtain all funds up front, which you’ll have the ability to then use on your project. As soon as funds are disbursed, you will enter the repayment time period, which can last anyplace from one to seven years.

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