Bobby Kittleberger and his wife Danielle bought a house in Sandston, , in 2020 - but the home was in desperate need of work to rebuild a collapsing back porch. The couple consulted a financial advisor who suggested that taking out a home equity line of credit (HELOC) could give them quick access to the money they needed to carry out the much-needed home improvements.The interest rate was just 4 percent at the time, and the couple were able to open a line of credit worth more than $100,000 with local outfit Bank of The James.
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