Had a HELOC for 10 years, and chose to also renew it with them. Rate is very good, and I have never had a single issue with them. Yes the process as others mentioned did take 60 days which they told me it would up front. I do have excellent credit and plenty of equity so I am not a risk which probably is why my process both times went extremely smoothly and zero hick-ups. Only issue is if you have a home in a living trust...then they won't help you..