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The amount homeowners can finance is often 80 to 85 p.c of the home’s worth. For homeowners with good credit score who want an enormous chunk of money right away, a cash-out refinance may make extra sense than a HELOC, Mittal says. “At first you solely pay the curiosity on the portion of the road of credit score you utilize, and the closing costs are low,” he says. Homeowners with enough equity and good credit can go for a house equity line of credit . This could be a …