<prompt> Human: I live in the Bay Area and purchased my home 2 years ago for 1.09M. I know it may not be accurate but redfin and zillow both estimate my home to be worth 1.29M nowIm considering securing a HELOC for that equity which based on the 85 rule would be 277K. I dont plan to use that money bc I dont need it but figured I should take advantage of the appreciation before the market softens here. What are the pros cons to doing this?  <response>: Borrowing money you dont need sounds like a con so far. 