HELOC help. Trying to decide the best option/

[Natalia Soares]

Hello,

I have been researching HELOC and was given the below terms. I just don't know which one to choose as all the options appear to be great. I am leaning towards the option that gives me the most amount (167k) but the 64k seems so good. Cash-out is not an option at the moment.

Any help would be greatly appreciated. 

Thank you!

Property location: Salem, MA
- Elements Financial: 4.25% (intro 1.99 6 Months) 167,000. Draw 10 years. Repay 15 years

- Elements Financial: 3.75% (intro 1.99 6 Months) 84,000. Draw 10 years. Repay 15 years

- Bellwether Community CU: 3.00% (intro 2.99 36 months) 64,000. Draw 10 years. Repay 15 years.

- PenFed: 4.75% 108,000. Draw 10. Repay 20.