That evening a broker explained the difference between a refinance and a HELOC at our kitchen table

https://lifegarden7.wordpress.com/2026/05/28/behind-the-scenes-the-exact-mortgage-documents-we-needed-for-our-brampton-pre-approval/

That evening a broker explained the difference between a refinance and a HELOC at our kitchen table, which cleared up a lot of reno planning confusion.