It seems that the major investors are looking at their Home Equity Line Of Credit accounts. Some have stopped doing them altogether, while others are looking real hard at weather they want to put a freeze on current balances. Country Wide has shut off Home Equity loans, while Chase,Bank Of America, Wells Fargo are looking real close at loans in markets where housing prices are declining. It may be a good time to Re-finance or tap into that balance NOW! Most HELOC are tied into prime rate which is at 6.00%. Not a bad rate to use to payoff some of those high rate credit cards.