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hey whats going on everyone this is Sam Kwak one of the Kwak Brothers, real estate investor and entrepreneur and in this video Im gonna go and break down what are the main differences between a home equity line of credit versus a home equity loan which is better which one should you get were gonna break it down now before I do be sure to go and subscribe to the YouTube channel as well as hit the bio icon so that you get notified in our future videos Im gonna go and say right out of bat that home equity loan and hold my equity line of credit are not the same thing and a lot of time there are misconception that people sort of interchange the terminology including Dave Ramsey so Im gonna go and break down what are the differences and lets go and start with you home equity loan a home equity loan is amortized and what that basically means is that you have a set number of years that you have to pay that loan off completely and a lot of times the home equity loan payoff period can vary