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This is called a balloon payment and often results in the loss of your home. Beware of high-LTV loans. Some lenders offer high loan-to-value products. This often means that you get a home equity loan that puts you in debt above the value of your home (i. if the combined debt of your mortgage plus your home equity loan surpasses the value of your home).
This can put you at severe financial risk and should be avoided. Beware of prepayment penalties. Prepayment penalties are additional costs added to the loan amount if you pay off the loan before the end of the loan term.