Well this is wild.....Just moved into a new construction home two months ago.....Started the build process around 10 months ago. I wrote the contract for $765k. After that I added options for a final price of $850k. I am doing a refinance right now to drop the payment $700/month...with that refi, I got a new appraisal.....................which came in at....................$1,100,000. Sounds like an opportunity for another HELOC to me.