by Lynn Burbeck
Home equity lines of credit can be used for major kitchen renovations.
Evaluate your current debts in relation to your pretax income to determine whether you are a candidate for a home equity line of credit. The total amount of your monthly mortgage, homeowner's insurance, mortgage insurance, property taxes and the potential home equity credit line payment should be less than 28 percent of your total household income. When you include additional debts such as credit card payments, automobile loans or student loans, the total should be less than 36 percent of your total household income.
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