The roof deck, also known as the sheathing, is the layer of wood or plywood that forms the foundation of your roof. Over time, this wood can become damaged by water or rot, compromising the structural integrity of your roof. A home equity loan uses the equity in your home to borrow against, using the home as collateral. Also referred to as a second mortgage, it’s often used for large home-related expenditures, like replacing a roof. Payments and terms on a home equity loan are similar to that of any standard loan with a fixed interest rate, but the interest may be tax-deductible.
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