Notified by Chase that the "draw" period of my home equity loan is ending

If I had to guess, they probably won't renew it or at least renew it with the same terms you have now. The big banks just got hammered by the feds with writedowns on HELOC's (even those that have never missed a payment).

Honestly, shop for a bank that you can make a connection with someone and have a go to person if you need something. Banks are all selling a commodity, some have rates and fees slightly higher/lower than others, but in the end the important thing is that you are able to pick up the phone, directly call Joe Blow, and get something taken care of. Not some 1-800 number in Pakistan.