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They don't tell you that before you sign up. When you need to access your home equity line of credit account, write the loan amount you need with your equity check and deposit it in your bank checking or money account. Not that you don't do a wonderful job or anything, but maybe you could try something different for a change.
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And in that case, it's the company making the payment, not the Gumment, as you say. Anybody who can do addition and subtraction has the ability to balance a checkbook, but some people prefer to live in ignorance. If you pay points, it doesn't really change the lender's risk we're talking about a 2-3% difference in the loan amount at risk.
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