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  For homeowners who require frequent financial access over a period of time, a HELOC is a smart option. The majority of the time, these costs are continuing. A HELOC can be used, for instance, to start a small business or to finance a series of home upgrades.

  Because you only pay interest on the amount you actually borrow, HELOCs are typically the most affordable sort of loan. Furthermore, there are no closing fees. All you need to do is make sure you have the money to pay off the entire debt before the payback period finishes.