One "issue" in our financial life is the home equity loan we have that has a balance of just under $30k. We have ~$300k equity in the house (8 yrs left on a 15 year mortgage). Plus, my wonderful wife would like to do a $20k basement/backyard remodel. I would start from a different angle. What's the cheapest, most efficient way to pay off the HELOC and do the remodel ? Depending upon the value of the house, I'd do a cash out refinance.
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