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This is the only loan on our listing that bundles home improvement prices with your personal home purchase loan. Just remember to evaluate the guidelines along with your mortgage officer to make sure that you understand the disbursement of fund rules. If so, you presumably can access the lowest charges by borrowing against the equity in your house with a cash-out refinance, a home equity mortgage, or a home equity line of credit. And the credit line is available for as much as 10 years,” Leever says. Another difference between home …