Once that sale is done, the lender no longer faces any market exposure to the risk associated with the world we are in.By contrast, there is no secondary market for HELOCs at all, and the lender remains fully exposed to all risks (of you suffering job loss in a recession, and so on) for the life of that HELOC.The following metaphor is a bit of a stretch, but given the impact of current public policy on the gov't balance sheet, we more or less have to go back to WW2 to find something similar in scale.The year is 1943.

Consider this carefully...being comfortable is not a good thing, it will slowly waste your life and eventually kill you (metaphorically and literally)Just my .02

It’s like mike Tyson said, Everyone has a plan until they get punched in the face....speaking metaphorically here, but you never know!)

Pretty obvious metaphor.

To me, using the metaphor of "verbal judo", I might look at it this way, using what I already know from working this business as a business full time seven days a week.  

love the metaphor at the end.

If there was in fact an error I don't blame the borrowers for holding the bank's metaphorical feet to the allegorical fire.

So anything-goes-party-time is over at least for some, and winter is rolling in (both economically and metaphorically.)

I found several books that overdid the hype, didn't address the subject in depth and used way too many metaphors.

I will call you with updates, address your concerns, and hold your hand (metaphorically now) through the fears and issues in the transaction until we close.