Article: "My husband and I have a lot of credit-card debt (about $8,000), and my husband thinks we should take out a home-equity loan to consolidate our debt and pay off our creditors. Our house is worth about $130,000, and we owe ab.(Friday Home Guide)(Second Opinion)

Each week, Second Opinion asks two real-estate professionals one of your questions. Read what they have to say, right here.

HOME-EQUITY LINE IS PLUS

NAME: Colleen Brawner

TITLE: Senior loan officer, F&M Mortgage Corp.

PHONE: 703/690-4114

I think there are several good reasons to take out a home-equity line of credit.

First, using the equity in your home to improve your family's financial well-being is important. Obtaining a small home-equity line for about $10,000 to pay off credit cards and to get cash out for investing, which could produce more money over a longer haul, also is important.

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