Home equity loans are back; this time, homeowners are being smart

helocBy Martha C. White

Home equity lines of credit got a bad rap during the financial crisis, and now they’re back in a big way, an occurrence that experts say offers potential as well as risk.

These vehicles, also called HELOCs in housing-finance parlance, were blamed for allowing homeowners to treat their homes like piggy banks by borrowing against the equity they built up during the bubble.

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