Then, these households are just not able to adapt quickly enough when their financial situation changes, a situation based on two jobs and therefore two chances to experience income disruptions.

Home prices seem to be coming back down from the giant price hikes a few years ago. 

This causes notably reduced flow to the hot faucets, especially those closest to the water heater.

I was not able to close on a loan due to this issue, so I have personally dealt with this before. 

Think of it like this: If your property was a giant piggy bank, the cap rate tells you how much coin you're adding every year relative to its size.

However, I think in this case it may be that you are seeing a giant feedback loop. 

Internet makes is it seem just because you work for a big tech giant everyone is a millionaire.

I've seen typical numbers of 1%-2% higher than your current rate.What HELOCs are designed for is to be a giant credit card.

I've seen typical numbers of 1%-2% higher than your current rate.What HELOCs are designed for is to be a giant credit card.

I have tried calling them but was not able to speak with a humanI have tried contacting them on their website via the contact us form - no answerI have even tweeted them on the address they listed on their site also nothing…Very worrying we need to know if we passed or not to move forward