When builders acquire a piece of property that they plan to build a home on, they will do everything they can do make as much money as possible on their homes.
A home equity line of credit is different from a loan because the funds are not disbursed all at once; rather the funds are made available to the homeowner and the homeowner can withdraw these finds at anytime during the draw period.
Although many of the people in this business are honest and have integrity, you can bet you will run across a few brokers or agents that will do and say almost anything to sell a property.