Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to pay off student loans with a mortgage [title] Identify the types of mortgage loans available. [step] You can typically get a second mortgage (home equity loan), cash-out refinance loan, or a home equity line of credit (heloc). Each of these loans has benefits and drawbacks that you will want to discuss with your lender.

Ending1: [substeps] Heloc loans are generally considered " less than standard " mortgages while they provide a lower interest rate. They are therefore less able to be cashed in than other options for loan repayment. Ending2: Before choosing your loan option, have your lender compare each option against the other two, and get a second opinion. [substeps] Second mortgage: you borrow against the equity in your home and receive a lump sum. Ending3: Your lender will determine which one is best for you and what you can do to raise the minimum interest rate and fee. There are several choices you can pursue : [substeps] Cash-out refinancing. Ending4: Look for loans with at least three different types of interest. [substeps] Offering the same interest rate over and over will be exhausting.

Answer format: ending1/ending2/ending3/ending4