Legal Question in Real Estate Law in California

helock loans

i have a helock loan of 27,000 and everytime i make a payment my loan never goes down it keeps going up i pay 300.00 a month and it thru cailfornia coast bank about 200.00 goes to interest and 94.00 goes to prinicpal i have never been late or have i ever miss a payment my credit is a-1 and yet i want to know why is this happing and also i want to know is it legal for this bank to charge me this much interest because at this rate i,ll never be a ble to pay this loan off to i made a 10,000 pay ment and now its down to 17,945 dollars and also why have they put a lein on my house when i,m not delinqued on my loan

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