u/Rai_11

I am shopping around for rates for mortgage renewal in July. I have been with a TD mortgage with an attached HELOC for about 10 years. The last few renewals, I just stuck with TD. We have not touched the revolving portion of the HELOC at all.

Now when looking around I am learning that switching to another lender may be harder due to this attached HELOC (Google Gemini says it's collateral transfer or something), which means there will be a lot more fees. Does anyone have any insight to this? Am I screwed to stick with TD?

Any one can give ANY advice on what I'm about to embark on tomorrow in replacing the front passenger wheel stud. One broke off today while changing winter tires to all season.

This is on my 2011 Chevrolet Cruze LT 1.4L Turbo. Been watching videos all night, but none are specific to the Cruze unfortunately.