gmabel830
It's football season!!
I was in a different spot - we're redoing the backyard and adding a pool, so didn't have the full cash on hand for that. But ended up doing a cash out re-fi instead of HELOC and kept the LTV at 75%. I just did a re-fi last year, and rate is about the same and obviously didn't have the kind of equity a year ago we have now. Payment is around where we were before last year's re-fi and now will have a new backyard and a pool.
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