Borrowers appear to have turned the corner in their approach to home-equity loans – particularly home-equity lines of credit. More and more, such products are being used in lieu of credit cards to fund new consumer purchases. “HELOCs are taking on more of the aspect of consumer lending,” observed Patricia Hewitt, vice president of business development, Fiserv Credit Processing Services on the growing popularity of HELOCs as a means of paying education expenses, financing…