同好奇,refi的时候需要把HELOC 的欠款付清吗? Playdough 发表于 2021-06-26 21:58
no. the whole line would be counted as debt even if the balance is zero. yolandos 发表于 2021-06-26 22:13
还清了也不行吗?那还是不开了。 Ride_the_wave 发表于 2021-06-26 22:21
no. the whole line would be counted as debt even if the balance is zero.
还清了也不行吗?那还是不开了。
还清没用的。看你怎么用了。我曾经drawn down 500K on HELOC 然后放CD里。HELOC rate was around 2% (Prime - 1.25% )and CD was 4.5% so a classic arbitrage opportunity. 你如果想max out买投资房, 长远看应该是直接fixed mortgage。不max out debt to income ratio 只是一个数字而已因为对你的利率影响不大。