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There's a better way to pay off your home-and it can take less than three years. It's called a first lien HELOC (Home Equity Line of Credit). Here's how it works: - Instead of making fixed monthly payments on a 30-year loan, you use your income to reduce your loan balance daily. - Interest is calculated on the remaining balance, not an initial lump sum like a traditional mortgage. - You can access your home equity like a bank account, keeping flexibility while still paying off your home faster.
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