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Reply to "HELOC vs Refinace with cash out"
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[quote=Anonymous] Looking to pay off an investment property mortgage (~$100K balance) which is currently at a higher interest rate using equity in primary residence. My bank is offering a HELOC with a teaser rate of 2.24%, which goes to a variable rate (currently 3.86% APR) after 12 months. Or I could refinance current mortgage ($14K balance remaining), with a high cash out to pay off the investment note. The latter would be a fixed rate. Any thoughts on pros/cons? [/quote]
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