Here at Beer and Finance (BnF), our goal is about educating and protecting wealth, so we would like to educate about a strategy that not only we, but others have been using. It is not a secret but also it is not a strategy that is freely communicated by any lenders, although it is an option they provide. The reason it is not frequently offered is because it reverses the amortization and allows you to pay more of the principal and can cut your 30 years of payments to under 10 or even lower (less money for the banks). All this and more using a Home Equity Line of Credit aka HELOC.