A first lien HELOC doesn’t require you to have 100% equity to wipe out your mortgage. If your mortgage is $300K, you don’t need $300K in equity. With just 10–20% equity, you can refinance into a first lien HELOC, replace the mortgage, and finally start using your income to crush debt faster instead of getting trapped in the bank’s system. #credit #mortgage #wealth #entrepreneur #mindset #financialfreedom #personalfinance #moneytips | Replace Your University
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