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I actually balanced transferred my HELOC to a 0% credit card for 18 months. I will move the balance back to the HELOC before the card's promo rate expires.

"So your current balance is closer to $43k or $44k, due to the BT fees? Or did the $42k include the BT fees? If you can put $2k/month toward this balance for 18 months while it's at 0%, then you could get the balance down to $5k - $6k; $1k/month would only get it down to $23k - $24k. Just beware - you are running a risk in assuming that the HELOC line will still be open for draws when you need to transfer the balance back. The drop in your credit score due to higher utilization of your credit cards may impact your credit score enough that your lender could shut down your HELOC. If you got the HELOC and first mortgage quotes after the balance transfer showed up on your credit report, you're probably okay. But if you got the quotes before the balance transfer was reported on your credit report, you may note get those rates any longer, either."

The balance transfer promotion waived BT transfer fees. My credit score dropped to 740 after having the high card utilization for several months. I didn't realize the HELOC lender could close the line early. I am tempted to ask them if I'm in jeopardy of having the account closed, but wouldn't want to raise any red flags.

After giving this a lot of thought, and considering what another posted said about the 20year payment not allowing flexibility if there should be an emergency, I am leaning toward keeping my existing first mortgage as is, talking to the HELOC lender about the new terms and accepting them if offered and then paying as much as I can on the zero percent card before I have to move the remaining balance (if any) back to the HELOC.

Thank you for the advice and your time in discussing my situation. It helps!
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