Good Morning all,

I have done a lot of calling and research and I think I know the answer but I figured  I would ask. 

Is there a HELOC type loan that will increase the amount you can barrow as you pay down your principal. So as I make extra payments on the principal I pay off the mortgage faster and increase the amount of cash that I could get if I needed it quickly.

This would be in contrast to what my research is saying. The only banks that I have talked to so far will only increase the available credit if you go through a Refinance process on the HELOC.

I hope I am explaining this correctly.