When Covid hit, many of our clients lost their jobs — furloughed, laid off, income gone overnight. But here’s what separated those who struggled from those who survived financially: liquidity. With a HELOC, your minimum payment decreases as your balance decreases. That means when your income slows, your payment adjusts with it. But even more powerful — you can use the bank’s money to pay the bank if you have to. That’s what financial flexibility looks like. You’re not stuck making payments based
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