Julie, I get the concern. “Variable interest” sounds like a trap if you assume it only moves one direction. Quick clarity: not all HELOCs are variable. There are fixed-rate home equity options, variable-rate HELOCs, and even hybrid setups where part can be fixed and part can float. Now the bigger fear: “If I lose my job, they’ll take my home.” That’s not unique to HELOCs. That’s the reality of any loan secured by your home, including your mortgage. If payments stop for long enough, foreclosure b
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