@Ursula Leake, with a refinance, you're ultimately going to impact the equity you have in the loan, lengthening the time to pay it off, or in some cases pulling equity out to spend now.

The down side is that it may lengthen the time to get an offer.

If I decide to lengthen my vacation 10 days Im not going to worry about it.

First two years they were paying back on avg. in 6-7 months, then the market downturned and the payback time lengthened to 12 months and now about 18 months. 

With the heightened interest I expect permit requests to go up and queues to lengthen.

I pretend to lose the count just to lengthen the experience. 

I own a couple laundromats and I bet you could lengthen out that lease if they are good tenants.

If so Third federal has some of the best rate and higher LTV.HELOC on investment properties is very difficult to find as COVID has shut down most of the usual lenders in that market.Also, be aware that underwriting has been lengthen by the high number of applications.

For example, do you think 27.5 years could get lengthened or would you say that is pretty well established? 

An ever-lengthening wildfire season and the constant threat of “the Big One” can certainly make living in Los Angeles feel like a Darwinian struggle to survive, and the Federal Emergency Management Administration reports that mother nature is more likely to wreck your day in Los Angeles than in any other county in the country—and that’s not even taking our freeways into account!