Do lenders ever call on HELOC early for full payment

[Paul Dario Jr]

Hey all. I've secured a HELOC in order to finance my backyard ADU build. Already have plans drawn and getting ready to submit for permitting. But I'm getting a bit of cold feet regarding the HELOC. Assuming I draw $100k from the HELOC, is it ever likely that the bank/credit union would call on that HELOC to be paid in full after I've drawn off of it? The only thing that's of lingering concern is whether or not the credit union can call on full payment of the HELOC balance after I've drawn on it. Is that a possibility? Wasn't sure if that's a practice of lending institutions. Thanks for the input.

[Jay Hinrichs]

Quote from @Jeff Copeland:

I had Suntrust "freeze" a HELOC when the market crashed in 2008-2009.

I could keep the existing debt (and continue to pay it of course), but they would not allow any more draws. Of course, this was driven more by a decline in property values than anything else. 

Whether your lender has the right to call the note due in full would be dictated by the mortgage and note you signed with the lender. There is commonly a due on sale clause, but otherwise I think it would be extremely rare for them to call it due for some other reason. 

 during the GFC this happened by the thousands if not hundreds of thousands.. Even my personal banker got his frozen.. there is a big misconception with many on this site that HELOCs are like fixed term loans they simply are not.. and NO ONE reads the fine print..