As you keep getting more new business (hopefully faster than the old regulars taper off and stop coming), you can tap your rate up again: it's an upward spiral.

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Home-equity lines of credit allow borrowers to tap the credit line as needed, and the rate is typically variable.

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At least one lender, Wells Fargo, is giving borrowers a break on origination and monthly servicing fees for adjustable-rate reverse mortgages, which allow homeowners to tap their home equity as they need it.

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