paid twice a month and pay against the HELOC bi-monthly. Of course, with mortgage rates as low as they currently are, and since HELOCs are variable rate loans, over 30 years it is unlikely that this situation would prevail, and it sounds like a lot of work for one dollar and sixty cents a year. I look forward to seeing your complete amortization schedule and its comparison with the "overwhelmingly powerful" HELOC technique, if you can produce such a document. Sincerely, Dr. Peter M. Vaughan July 18, 2012 Mrs Queen William @ 10:25 pm : Online Loan Application Form Dear Valid Applicant, Compliments of the day to you .Thanks for responding to our mail and choosing Wallace Credit Solution to aiding and putting a stop to your financial problems. We Offer all kinds of loan packages (Personal Loan, Commercial Loans, etc.) our Loan amount ranges from $2,000.00 USD to $50,000,000.00 USD and a re-payment period of 1 year to 30 years duration. To commence the loan application process, you can find some vital information about the loan we offer below. In getting a loan from our company, there is some information we need to pass across to you before we can proceed to the application process. INTEREST RATE: At 3% intrest rate, Note that the loan re-payment schedule starts 4 months after loan has been transferred to applicants. queenwilliam001@gmail.com INFORMATION NEEDED: As for the information needed, you will need to fill an application which contains your personal information and also