If her home mortgage rate was higher than her line of credit it makes sense. I do not have a home mortgage but I do have a line of credit on my home. Normally you can just make interest payments on a equity line if you want. My heloc is locked for 5 years with minimum payment being the monthly interest.Normally people do borrow on their home to pay off their home when they refinance.
Can you get that out of focus background look (like in your 2nd 3rd & 4th photo) from a click and shoot camera? Some of us cant afford thousands of dollars for a camera that can do that. Your photos look awesome.