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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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Does a HELOC affect my ability to refinance my first mortgage loan?

Taking out a HELOC can affect your ability to refinance. Once you take out a HELOC, you may have to get approval from your HELOC lender in order to refinance your first mortgage loan. HELOC lenders can refuse to allow you to refinance your first mortgage loan. If your HELOC lender refuses to let you refinance, you may need to pay off the HELOC in order to refinance.

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