The rate is adjustable on our heloc but through our credit union is only 4.25% at this time...

If I am reading your original post correctly, it appears as though you have either an adjustable rate mortgage, or you have a balloon payment.  

When you look at your appraisal, look at how the adjustments were made to the comps used to come up with the value of your house. 

While published sometime in the mid 1990's the numbers in the book may no longer be relevant, without adjusting for inflation, the precepts in this book literally helped me to see what changes I needed to make if I wanted to become a HNW individual.I studied, read, and re-read this book so many times there was a point in time me I would actually see the day deference in money choices laying out before me in advance of making investment/expenditure choices.

No prep work on the subfloor, it adjusts well to changing temps and also is extremely easy to clean. 

They are on a 20 year term, and adjustable rate. 

This option price will be adjusted and otherwise reduced over time, as set forth herein.Of the $2245 in rent payable each month during the 36 month lease, $1000 of the $2245 amount will be applied as further consideration to reduce the option and purchase price if and only if the Lessee exercises this option to purchase.Thanks for all the help - Ben

Also most of these loans have had a "prime plus X% adjustable rate".

I just ran into a bad one and it has caused me to adjust my risk-meter when handing over EM checks.

I had to do some adjusting but ended up figuring it out (at least closer to your number)...