points is also the money that you need pay

during re-finance which is a percentage of the loan amount.
other lien is something like you have a second loan on your house.
You can directly go to any bank to ask for HELOC. just go to the bank you are using now. usually bank do not charge or charge very little fee for HELOC.

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Thanks a lot. -leilei123- 给 leilei123 发送悄悄话 leilei123 的博客首页 (0 bytes) () 08/11/2010 postreply 17:37:23

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