Patent ID: 7860792

Claim:
A process for managing home assets, the process comprising: receiving, at a computer, a payment to a principal of a mortgage account of a customer; and automatically performing, by the computer, a review process on an equity line of credit account of the customer, the review process determining whether the customer is eligible for an increase to a credit limit of the equity line of credit account, the review process identifying a current value of an asset that is mortgaged in the mortgage account and that acts as collateral for the equity line of credit account; when a determination is made that the customer is eligible for the increase to the credit limit of the equity line of credit account, automatically increasing, by the computer, the credit limit of the equity line of credit account by an amount that the payment decreased the principal of the mortgage account, thereby making the amount that the payment decreased the principal of the mortgage account available for use by the customer through the equity line of credit account; and automatically adjusting, by the computer, the credit limit of the equity line of credit account to reflect a difference between the current value of the asset and a value of the asset when the review process was previously performed on the equity line of credit account.