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Eh, I'd be annoyed for the full five minutes it'd take me to close the 'frozen' account and open a new one at a bank that'd like to have my business.
Everything and anything can go poof at any time. A rock could fall out of the sky and hit me in the head right...ooof! Ow! Hey! Who the hell is throwing rocks over there?
BTW, I never get anywhere near a high LTV on these. I think my heloc on my old mcmansion was about 15-18% of its value, and the one on my last house was about 20% of what I paid for it.
More than enough for an emergency or to help with a temporary cash flow problem, but not enough to worry about valuation drops, making a troubled bank nervous, or to get myself in trouble.
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Many an optimist has become rich by buying out a pessimist
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