Here is an electronic version of the Federal Reserve booklet for consumers entitled, "When Your Home Is On The Line, What You Should Know About HELOCS (Home Equity Lines Of Credit)", by the Federal Reserve Board Office Of Thrift Supervision, which must be given to every consumer on any mortgage loan, no matter how many times they have been through the process. Save hundreds of dollars per year...eliminate the hassle, expense, and cost of printing and production! Why spend money on a hard copy, when you can easily email this document to your clients?! It's a no-brainer. This resource is in Adobe PDF format.