I'm thinking about refinancing our house to fold our HELOC balance into the loan, but I'm a little nervous about asking our credit union (which holds our current mortgage and which we've been members of for 30 years) about their loans and rates and having them realize our income is now 50% lower than it was when we applied for our existing mortgage and HELOC, and then deciding to cancel or freeze our current HELOC as a result. We rely on the HELOC for IRA and HSA contributions that help us get a good ACA subsidy, and as a safety net while we survive on disability income, so if there's any chance of messing that up, I don't want to do it.