影响大。 有的银行这么算。。。

If you have $100K HELOC,  Some banks caculate as $100k/60months = $1666/month + interest liability no matter you use it or not.  you will be counted $1666+interest per month liability when  caculating your debt income ratio.   In year 2010, there was a Cash Out Mortgage Law in Texas,  you can only get home equaty loan 1 year after you close  HELOC, I am not sure if this is still the case.  you may want to check out the law before you get HELOC in Texas.