08-10-2020, 01:04 AM
I wound up walking away from the HELOC. The appraisal fee went from the advertised zero, to $490, and then to $1,000 "because I'm in Hawaii" so I told them to pound sand. I might have paid it if I actually needed the HELOC, but I applied for it more in a "just in case" type of scenario I saw some too-good-to-be-true property deals. I have other lines of credit I can tap that aren't a bait-and-switch scheme if the need arises.