There is no sense in discussing reckless investment into hot cyclical markets without these safeguards...those investors are not on BP trying to learn how to prudently invest.These BP market correction posts have been going on for years.and the reality is markets are correcting all the time.. in some place in the US.. this is also highly regional. some markets are still in the toilet and maybe will never come back..  

If we ever get flooded out down here, the region will have much more serious issues than FEMA coming along to re-draw their boundaries!

They are or should be working for you as a business in their region. 

Jay Hinrichs With farmers and individuals in those types of markets being hit the hardest, do you think that it would really only be those regions of the housing market that would be affected?

My current list for friendly HELOC terms is Wells Fargo, TD Bank, TD Ameritrade, and M&T Bank,  Your local regional banks and credit unions are good options as well. 

What markets (states, regions, cities, etc)?

@Benjamin Maciel I love the big banks, they do more for me than any regional/local bank or credit union could ever do.

I'm in the South West region and decided to start my journey in Real Estate.

Affordable prices and booming economy and GROWTH:The region has been Virginia’s fastest growing for five consecutive years, with a population of 338,000.A highly skilled and expanding labor force of more than 1 million resides within a 40 mile commute.Strategically located just 35 miles south of the nation’s capital and 35 miles north of Richmond, capital of Virginia.Over 47 miles of Interstate-95 serve the region, carrying 120,000 cars per day.Excellent rail service is easily accessible, including Virginia Railway Express’s commuter service and Amtrak.

I'm a licensed real estate agent in the Inland Empire region of Southern CA.