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Using 7% HELOC to Pay off a 3% Mortgage?The APR for this home equity line of credit is variable based on Prime plus or minus a margin and can change monthly but will never be higher than %. �. As of November 6, , the current average home equity loan interest rate in the five of the largest U.S. markets is percent. APR is variable and subject to change monthly but cannot exceed 18%, and the APR will never fall below % for HELOC 70%, % for HELOC 80%, % for HELOC.
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