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We model your existing mortgage, then compare adding a HELOC against replacing the loan with a larger refinance to extract cash.
If you need cash short term and rates are high, a HELOC can avoid resetting your whole mortgage. Watch variable-rate risk and terms.
Yes. Refi closing costs and potential HELOC fees affect break-even. Adjust these inputs to see net cost differences.
Try Refinance Break-Even, Recast vs Refi, and Mortgage Calculator to validate assumptions.