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My Fiance and I are closing on our first home at the end of May, and would like to have a line of credit or ability to purchase some things for the new home. When is the best time to apply for the line of credit? Also is a HELOC the best option compared to credit cards or a personal loan? Any opnions would be helpful.
Thanks
@Anonymous wrote:My Fiance and I are closing on our first home at the end of May, and would like to have a line of credit or ability to purchase some things for the new home. When is the best time to apply for the line of credit? Also is a HELOC the best option compared to credit cards or a personal loan? Any opnions would be helpful.
Thanks
How much equity do you have in your new home? If less than 10%, I don't think that you will find a lender to approve a LOC or HEL for you. Start with your lending institution where you have been banking.