Financing

A fixed lump sum or a credit line you draw from? We run the same $40,000 kitchen through both, with real five-year interest totals and the fees lenders leave off the phone call.

0% cards, personal loans, HELOCs, home equity loans and cash-out refinance — rates, closing costs and risk side by side, plus the refinance mistake that turns a $60,000 loan into a very expensive one.