<p>^Exactly! Oddly, I just checked my email and the same bank is now spamming me offers for a $200K HELOC because I’m “pre-qualified”. They go on to mention our excellent relationship over the years - guess they forgot they were running scared in 08 and ran right over their customers in the process! Funny that 2 years ago they rudely informed me that my property wasn’t worth anything near $200K without ever even bothering to do an appraisal!</p>