I sell Home Equity Lines of Credit in California and I know our terms are very competitive. Last year, I noticed a high rate of requests for HELOCS. I guess people where trying to get access to as much cash as possible expecting a huge sale in the real estate market. However, this year, the demand has become less. Am I the only one experiencing this?

not specifically. however I suspect many dont realize in a down turn when they need the money the most its highly likely that the heloc is frozen and not available to them