Khadija and Shanita were a huge help. They answered all my questions clearly and quickly. The whole program was great too. Even though it requires a little extra paperwork re: the renovations, the upside is huge. My post renovation appraisal was great, and allowed for a much larger line of credit than a regular HELOC would have allowed, given the home's as-is condition. The rate is solid too, coming in lower than many other HELOC's I shopped for, and much lower than any personal loan.