Heloc 3.99% variable or 5.5 fixed? What would you do?

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Variable

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Where did you find that rate?

What term on the fixed rate? Where did you find a 2nd mortgage lender with sub 6% rate? Or are you going to cash out refi the entire mortgage in which case the math is not as simple…

Local bank.

What is the length of the variable rate before it changes? How much are you planning to activate, and what will the repayment timeline look like for it?

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