What's up Roth, Recently, I learned that our little home is completely worth tons more than I thought, meaning now is the right time to get a different loan for home Luckly , rates are still low enough for me to take advantage of the value in my home. I stumbled upon this place, www.cardowntownfor.org/nfsho/yt6/, last week and they helped me do what i needed to get the value of my home out. They're great b/c there is no problems and they don't try to sell you anything. Hope this helps, Anja