Generally these loans are in second
lien position.
The majority of people will have this
loan in addition to the first lien position loan. Many
customers take these to have cash available when needed.
They may use this to pay off credit cards, purchase
a car, use the money for a college education.
Helocs are available as interest
only loans.
Helocs are also available in first
lien position for homes that do not have an exiting
loan in first lien position. These are also available
as interest only. They may also be referred to as a "Pay Option Arm."
Home Equity Lines are also available
in fixed rates.