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‘I Got a Home Loan in 24 Hours’: How to Get a Mortgage Fast, Revealed Also called second mortgages, HELOC’s are additional loans obtained outside your primary mortgage that use the equity in your home as collateral for the new loan. In contrast, cash-out home refinance loans involve refinancing your home for more than you owe (but not more than your home is worth), allowing you to keep the difference as cash.
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