sort of. we have lots of money in the morgage, its for doing renos on the house so we can eventually sell, but as long as I pay the money back into the account when I have it, we can use the money. I actually had that situation come up when Ripley was unable to walk, I had no actuall money, aside from the x-mas bonus I had just received and that was only $100. Ripley needed x-rays and medication and there was a slight possabilty of needing surgery. my mom paid from the morgage money, and I had to put that money back in this month. BUT I also have my boss if I ever need serious help, she told me that if one of my guys needs surgery that I cannot afford just let her know, because she has a lot of money set aside in her bank account that even her husband does not know about, and said she would be more then willing to help as she knows how much I love my babys