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Information about all aspects of finances affected by a serious health condition. Includes income sources such as work, investments, and private and government disability programs, and expenses such as medical bills, and how to deal with financial problems.
Information about all aspects of health care from choosing a doctor and treatment, staying safe in a hospital, to end of life care. Includes how to obtain, choose and maximize health insurance policies.
Answers to your practical questions such as how to travel safely despite your health condition, how to avoid getting infected by a pet, and what to say or not say to an insurance company.

Home Equity Loans and Lines of Credit 101 (HELOC)

How Do I Qualify For A Home Equity Loan Or Line Of Credit?

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As with a mortgage, lenders will review your credit, income, and the value of your house to decide whether to give you a loan, and, if so, in what amount.  Lenders cannot consider your health -- even when the income you receive is due to your health, such as from a Disability Income Insurance Policy or Social Security Disability Income (SSDI).

NOTE: According to John Ulzheimer, president of consumer education at Insurance and utility payments, rent and other regular payments can help increase the likelihood that you can get a loan. Under the Equal Credit Opportunity Act, lenders are required to conisder these credit references if the consumer asks them to.  Give proof of payment to lenderws and tell them you want these payments considered as credit references under Regulation B of the Equal Credit Opportunity Act. There are statutory penalties if the lender violates the law.

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