First post hope it works.I recently had my home appraised and it seems that after only 1 1/2 years the value has increased some $45,000 from $63,000 to $105,000. Of course there was some elbow grease involved. I am in the process of refinancing and was wondering if it would be better to cash out at 7.125 and pay off about $14,000 worth of debts (interest on that is no lower than 14%) or to do a home equity loan at 7.99 and have it payed off in under five years. Any suggestions?
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