Voting Question: Home Equity Line of Credit ? No Doc ?

My fiance and I have not great credit, but we make a decent amount money and are looking to consolidate debt so that we can get out of it! We have about $40k in equity in our house, and we will need about $30k to consolidate. We have a combined income of $77,000. we don't care about the rate because anything will be better than paying 20-30% interests on about 8 different accouts. Help!

Resolved Question: I have a renthouse with about 45K in equity and I need some. Refi or home equity loan?

I am just about to start a new job and have to take tests series 7...I need this money to cover the gap while it is slow, buy an engagement ring, and put some money away for a rainy day. What is my best option right now? I have a 30yr fixed at 5.625. I don't plan to keep this house for more than three years. It is appraised at around 145k and I owe just under 100k. How much can I expect to get? I have held the house for just over 4 years.

Voting Question: We are thinking of refinancing rolling in mort. and home equity. We will be renting. will we pay more inter

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