You need to know what you can afford. Start with your FICO score. FICO stands for Fair Isaac & Co., and it measures your credit rating, from 500 to 850. On a 15-year, $300,000 home-equity loan, a score of 760 gets a rate of 6.13 percent, while 579 rates 10.43 percent.
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[Source: Yahoo! News Search Results for personal loan]
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