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High “drowning” risk –If your home drops in value while you still owe money on a first or second mortgage, you could end up “underwater.” This means that you owe more on your home than it’s worth.Dedicated Customer Service The process takes a few minutes.Complete our fast and secure application 24 hours a day, 365 days a year. Every inquiry received is handled with care and speed.Your house is on the line – The most serious risk to using a HELOC to pay off your credit card debt is that, in doing so, you’re putting your house on the line.If you don’t pay on your HELOC, you could get foreclosed on.

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