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If your revenue is merely too high to qualify for LIHEAP however you need help paying on your power payments, your localsocial companies agency or a nonprofit group may have funds to help. You can even contact your gasoline, oil, or electrical firm about finances billing programs or new payment choices House Design particularly for customers with disabilities who’re on Supplemental Security Income . Average rates of interest for other kinds of home improvement loans, like home equity loans and HELOCs, are higher than mortgage charges. And with a HELOC your price is variable, so it can rise and fall throughout the mortgage time period.