Richard Rood, a landscaper from Aesthetic Gardens, works in the backyard of a home in Palo Alto, where the homeowners are using a HELOC (home equity line
Richard Rood, a landscaper from Aesthetic Gardens, works in the backyard of a home in Palo Alto, where the homeowners are using a HELOC (home equity line of credit) to finance the improvements, on Jan. 30, 2013. (Karl Mondon/Staff)