it depends. there are two ways to do this. one way is to replace your 1st lien position mortgage with a 1st lien position HELOC. the other way is to have a 2nd lien position HELOC and periodically jump down the amortization schedule on your 1st by making a large lump sum payment to the 1st from the HELOC then taking a few months to pay down the HELOC and rinse and repeat, until the 1st is paid off.
