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Originally posted by papacraner
I really need to tap some cash for much needed home improvements and a few other issues. My credit score today is 603. I owe $ 67,000 on a home worth $ 130,000, household income is approx $ 63,000/yr. With loan requirements so strict today should I even bother applying for a HELOC or loan.....and if it's not impossible for me to be approved...where?

Appreciate any input......oh....I did just refi my mortgage from 6.75% to 3.75%.

Thanks

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