There was an interesting article in the Post today about options for reducing payments and making home equity line payoff more predictable. With the slowly, but steadily increasing interest rates, particularly for home equity loans, some folks are getting nervous about payemts on $70,000 to $100,000 and more lines of credit. There is a shorter-term solution than letting the payments drag out until you either pay it off or sell the property - with most banks and many mortgage companies, you can convert the equity line in whole or in part, to a fixed rate mortgage for an agreed upon priod of time. While the rate will usually not be as low as your first trust, it will in almost all instances, be lower than your current annualized rate on your home equity line and, the important point - the rate will not go up as you finish paying off the note.