The HELOCs that are coming due were opened in very different economic times, under the impression that home values would continue to rise. Because that didn't happen, borrowers may not be prepared to handle this significant change to their finances.
Refinance the HELOC and first mortgage into a new primary mortgage. By refinance the HELOC into a new primary mortgage, you could take advantage of a fixed interest rate that's still low by historical standards. Consider refinancing into a 15 or 20 year mortgage to reduce total interest rates.
If you took out a HELOC between 2005 and 2008 and you're not sure what you'll be facing when the HELOC resets, it's time to look at your agreement and understand what you're dealing with. Simply by calling (888) 416-0920, you can get a handle on the situation and prepare to absorb this shock to your finances.