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I swapped banks for the same reason a while back.
My new bank refinanced everything for a much cheaper home loan based rate under a line-of-credit setup.
Now I just re-use those lines-of-credit at the home loan rate to fund personal loans or other items as long as I don't go beyond the lines-of-credit limits I can just keep re-using the funds.
If I need to do something larger I just need to extend one of the lines-of-credit.
Might be worthwhile if you can find a bank that will do this for you
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