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there was never a time limit, it was just a home equity line of credit, we even had one with the same bank a year or so before for $150k and use some to remodel the house then just paid it off when we finished. The next year we thought we shouldn't have paid it off so applied and got one for $75k, no time limit, just a line of credit. A year later when the WaMu people got in trouble they cut it to $21k, I still didn't care, it was just there. Then they cancelled it for no reason, telling us they needed more paper work, they didn't have enough. Screw them.
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