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How to Get a Home Equity Loan With Bad Credit. – wikiHow – · A Home Equity Loan (HEL) is a loan for a lump sum of money using your house as collateral. You repay the loan and associated interest in monthly payments over a fixed term. It is very similar to a mortgage in these ways. A Home Equity Line of Credit (HELOC) is slightly different because it is a line of credit instead of a lump sum loan. With a HELOC, you are allowed to borrow as.
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