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Borrowing Shifts From Re-Fi to HELOC

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As 30-year fixed mortgage rates sail past 4%, homeowners see the value dwindling of refinancing with afixed-rate mortgage and are returning to their lenders for home equity lines of credit.
Citizens Equity First Credit Union of Peoria, Ill., has seen its portfolio balance on home equity lines ofcredit and other second liens fall from $346 million at the end of 2010 to

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