SS,It's all clear now. Thanks!The reason I had so many questions for you is because I'm basically in the same boat. I owe ~$50,000 on my HELOC. I'm refinancing next week, where my rate will be prime-1/4% if the balance is over 50K. Below 50K my rate becomes prime+1%. Oy.I can totally sympathize with wanting to rid yourself of that 40K load! --Trudy
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