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Through Lines , you can achieve multiple goals:

💰 Reasons to obtain a secured line of credit, also called an HELOC (Home Equity Line of Credit

Keep your current low mortgage rate (don’t replace it with today’s higher rates)
Lower closing costs compared to a full refinance
Access cash faster in many cases
Flexible borrowing — pull funds as needed during the draw period
Great for home improvements (remodels, repairs, upgrades)
Helps cover emergencies without taking a lump sum upfront
Useful for debt consolidation while leaving your first mortgage alone

Two monthly payments: A HELOC is usually a 2nd loan behind your primary mortgage, so you’ll typically have your normal mortgage payment + a separate HELOC payment (especially once you start using the line).
Variable interest rate (payment can rise): Most HELOCs have adjustable rates, meaning if market rates go up, your HELOC interest rate and monthly payment can increase, sometimes quickly.
Payment shock after the draw period: Many HELOCs start with a draw period (where payments may be interest-only), but once it switches to the repayment period, the payment can jump because you’re now paying principal + interest, which can catch people off guard.

You've read the pros now lets see the cons to a HELOC.