Suze Orman

And how did that affect when you no longer had income?

Were your ability to pay your mortgage and even access the equity in your home when you didn't have income?

So a little while ago, I want to say maybe four or five months ago, I started to work with Alliant Credit Union, who sponsors this podcast.

Now, you have to know before I go on, I do not make one penny if any of you do this.

I do not ever make one penny if ever you invest any money with Alliant, get a certificate with them, or

or do what I'm about to talk about.

I do not.

They simply just sponsor the podcast.

That's it.

I did, however, start to work with them a few months ago, and we created together what I think is the ultimate opportunity home equity line of credit.

I want you to listen to me now for a second.

This equity line of credit really is very different than almost 100% of the home equity lines of credit out there.

First of all,

It has a six-month introductory rate, if you have a great credit score, of 3.99%, and that is locked for six months.

All right.

After the six months, it goes to 6.75%, depending on what prime is.

But what's so fascinating and I love about this HELOC is that most HELOCs, number one, your rate is prime plus a half a percent or 1% or 2%.

assuming a good credit score, and you can get your credit score really anywhere right now, your Vantage score is all you need to know, of 780 or above, it will be prime plus zero points, plus zero.

So you will be paying at all times as that prime changes,

0% above prime.