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Home Equity Loan vs HELOC: Which Is Right for You?Use a Home Equity Line of Credit 1 (also known as a HELOC) to finance a car, pay for education or complete those needed home improvements. HELOC is only available on owner-occupied California properties including single-family residences, condominium and two-, three-, or four-unit properties. Golden 1 Home Equity Line of Credit1: � Borrow up to 80% of your home's value � $0 application fee � $0 annual fee � Draw period of 14 years and 11 months.
