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Only if the line of credit gives you the option of locking in. If not then you will need to look into refinancing the loan into a fixed rate.
In order to refinance you would likely have to prove that her disability is either permanent or expected to last for at least three years.
Hi, the answer to your question is yes and depending on the amount of the refinance, loan to value, and debt to income. You may even have the ablity to get another home equity loan after locking the first mortgage. Keep in mind that a FHA is another option but get all the pros and cons and make a good plan.
Voyage Home Loans
Mike Kim