Suggestions on how to access your home equity line of credit for maximum benefit:

1. Start with an approved home equity line
   account from a lending institution.
   
   
2. Transfer an advance from your equity line account
   to your pre-paid credit card dedicated exclusively for home remodeling (best use for budget control and fraud protection)
   
   see how the pre-paid card can be used for remodeling
   
   
3. Use your pre-paid card to:
   
   

   ·	pay contractors
   ·	buy supplies
   ·	place an advance on your renovation project
   ·	pick up that new bedroom suite
   ·	use it like a money account for any other emergency; i.e., school education, debt consolidation, etc.
   ·	your pre-paid card is accepted at any merchant that accepts credit cards
   ·	you can fund your pre-paid card with your equity line account or any other deposit
   ·	use your pre-paid card to budget your home remodeling cash expenses
   ·	protect yourself from accumulating too much debt

   
   
   
4. Use your line of credit whenever you need funds
   your line of credit remains open whenever you need to advance yourself funds. When you are finished with you home remodeling project, you can simply convert the credit line over to a fixed rate loan or to a banker credit line to payoff the remodeling project over a period of time.
   

Now What are the Benefits:

1. You will not be restricted by the number of times
   that you can access your equity line account since one advance will be placed on your pre-paid card with unlimited credit card privileges.
   
   
2. By using pre-paid, you can pay as little as $1.
   This gets around some equity line restrictions that require minimum draw amounts.
   
   
3. You can use the pre-paid card
   at participating merchants without exposing your equity line account to potential fraud and misuse.