My two cents...I would really dig deep and evaluate if you actually needed a loan. there are plenty of ways to get into other cash just by looking around you - especially if you have a house. Check my website for some ideas on finding near-term cash using something that already exists in your life

you don't need a loan you need to learn how to save......loans have interest that you pay, banks pay YOU to save

The interest rates on home equity loans are usually higher than the interest rate when you refinance, but you'll generally pay substantial closing costs to refinance. Closing costs for home equity loans are usually insignificant. A home equity loan takes less time to disburse, you can be done within a week. A refinance can usually take a month or longer to get finalized. When refinancing, you'll probably pay back the loan in 15 or 30 years. Your monthly payments will be smaller, but you'll pay a lot more interest over time because your loan will last for a longer term. With a home equity loan, you have more flexibility and can take advantage of a shorter term to reduce the amount of interest you'll pay over the life of the loan.