I refinance in 2010 November, for the amount of $376,000 at 3.625% 15 years, last month March 2014, I make a one time payment of $200,000 to pay down my mortgage and it is down to $107,000, would it make sense to use my home equity line of credit to pay off the remaining balance, the term is 1% for the 1st year, 2% for the 2nd year, and 4.5% after the 2nd year, no closing cost and early prepayment, my intention is to pay off the loan within the 2 years period to take advantage of the low initial percentage? Anything I have to be aware of? Thanks in advance