Quote:
Originally Posted by chemgear
^ I'm afraid I have no idea, perhaps more knowledgeable people can help?
On a side note, is it Aaron Acceptance that has the really annoying radio commercial about the married couple that needs to consolidate all their debt and ". . . maybe, just maybe, there will be enough left over for a beach vacation!"
Because my God, if you need to refinance/consolidate your debt load - you really should spend more money to fly out of the country for a vacation to relieve your stress about having so much debt. 
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My banker fed me the same line when I bought my rental in 2005.
"What you should do, is take out this HELOC, and all the money you pay off over the year you can use towards a vacation! It doesn't matter, because housing prices will never go down, and it's like hitting the lottery every year!"
If only that were true......