You can't, that's why the program needs to ask.
If you took a loan out to buy a house, it is not a heloc.
If you later borrow on the equity you have on the home, it is.
Only you can answer this, or if you are unsure, ask the bank or lender that you pay.
HELOC is Home Equity Line Of Credit.
HERE is more information about what a HELOC is
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