right now i am with BNC heloc, they used to be free of charge. only for the the interest, but 2 years ago, they introduce a new monthly fees of 6$.
no big deal here, but by principle i do not agree with it. look like i have no other choice to stay with them, it cost too much in legal fees to change an heloc to another bank.
except if there is another bank that agree to pay for notary / lawyer fee to change the heloc contract.
thanks for the help.