<prompt> Human: Mortgage at 100k Equity at about 25k. Would this be a good idea? Assistant: why would you even want this? what would be the benefit?Human: my thought was to lower the interest i would be paying by paying off the mortgage principle sooner. i would pay my mortgage payments from the Heloc and then pay the heloc.  <response>: This only works if the HELOC interest is lower than the Mortgage interest it usually isnt. 