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None. I got a Hello with Bank of America back around XXXX for $ XXXX after the banker increase $ XXXX more as I was told I was making interest payments only my banker did not tell me that after 10 years I need to pay principal or else I would have done a refi and got a new mortgage since I have a first mortgage with another bank. my husband passed away and I was told that I needed to pay principal and they are making me pay {$2700.00} principal plus {$1600.00} interest totals {$4400.00} on a {$350000.00} heloc if my loan goes down my payments stay plus I have a first mortgage to pay and I have tried to tell then if they can Lower my principal to {$1200.00} and my interest is variable, is the worst heloc that ever existed and the banker probably got their fee and did not care about us or gi