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It is important to understand that there are fees associated with getting a home equity loan and basically it is similar to getting a regular mortgage loan because the fee structure is similar.

Even if you have no credit history, it’s okay. Lenders understand that you have never availed credit in your life. But, they require you to earn because it will help them in knowing your ability of making payments. If you earn more, then you can easily get approved for a bigger loan.