I did a cash out with LTV of 50%. I’m still a little confused as to my HELOC as I was under the impression it would be paid off along with the loan and I can see that it is not yet even though closing was 2 days ago. So maybe they will send me a big fat check and leave it up to me as to when it gets paid off. I’m fine with that if that is the case.I locked back in June. I communicated with 6 different people at E-lend and never had a feeling where i was in the process even though they do everything online. Their website only works with IE so Chrome will not work very well.