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Home equity loan or HELOC—which one's better when things get tight?

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science774
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Been thinking about setting something up as kind of a safety net, you know, in case something unexpected pops up. But I'm kinda stuck between a home equity loan or a HELOC. Home equity loan seems straightforward—one lump sum, fixed payments—but HELOC feels more flexible, kinda like having a credit card for your house. Anyone here have experience with either? Curious which one you'd lean toward and why.

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