Extra Payment verses HELOC - Resolved?

[David J.]

Seems like something involving math would have a well defined answer.  Yet I cannot find a clear answer to the question no matter where I look. 

Suppose I have a $200K loan at 5% for 30 Years that I want to pay off quickly. If I have $1,000 extra to spare each month,  which method should I use?

• Pay an extra $1,000 / mo toward principle
• Pay an extra $20K using HELOC and pay down HELOC $1,000 / mo until paid then repeat

Thank you :)