If I understand correct a bank can't refi a home loan under 18 months unless benificial to lender, raise the interest if it goes into default or put a balloon payment if matures in less than 10 years. My bank made me agree to change my 20 yr heloc to a 1 yr with a balloon and guarentee it with my business or refused to refi my commercial line of credit which ballooned. The next year they refused to refi either unless I agreed a mtg error was made, belonged on a property I was selling, pay it and give them my remaining sale funds to pay down the heloc. Now both ballooned again, they wont refi unless I agree to give up foreclosure defenses and waive their liability. I refused so wont refi, raised all interst rates and called another loan in, filing foreclosure on everything.