Is it smart to take out a equity line of credit to renovate your house?My bank, Wells Fargo, has a pre-payment penalty, if I want to pay it back sooner than 3 years.April 05 2010 - La Jolla00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.