Low minimum monthly payments and a reusable credit line with line amounts up to 100% of the value of your home, after subtracting your first balance. 

ADVANTAGES:

1.Reusable Line of Credit. You can reuse your credit line as often as you like, up to your available credit, for the first ten years. That means no applications to fill out when you need extra cash. Just write a check on your loan account when those unexpected needs arise.
2.Flexible Monthly Payment. You can pay the low-minimum monthly payments or pay up to the entire balance. It's your choice. 
3.A Credit Line up to 100% of the Value of Your Home. We may be able to lend you up to the entire value of your home, after subtracting your first mortgage. Line amounts range from $20,000 to $100,000 or more. Cash out is available for home improvements, tuition, medical expenses, etc.
4.Substantial Tax Savings. The interest on a line could be fully tax-deductible. Most other forms of credit offer no tax deduction. Consult your tax advisor to see just how much you could save.
5. Convenience. Don't leave home. You can complete the paperwork for the loan by email, phone, and fax. In most states, a signing agent can even come to your home for you to sign your final loan documents.
6. Variable Rate. Your rate will be adjusted as the prime rate changes. If a lower monthly payment or an even lower interest rate is more important to you, you have the option of choosing a loan with points or closing costs. These options are not available in all states.