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A second mortgage is not the same thing, however, as something else with the exact same name: a home equity associated with credit. Along with a line of credit, the exact loan is provided at a flexible interest rate, versus a hard rate by using a second mortgage. Also, with a line of credit, it is wise borrow actual want when you want it - just as much as a certain limit. With a second mortgage, you borrow the benefit one lump sum payment.

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