re: Are HELOC's Still a Thing?

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And if so, what are the going rates if you stick below 80% TLTV?

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I have one with PenFed, they don't understand early retirees finances nor sources of income that can be utilized. Took about 90 day, it was literally a PITA even with ~ $650k equity in the house. No closing costs, current rate is 8.75%, I haven't used it in 2 years, think the draw period extends another 8 years.