Thanks, Gemstone...
From exp, I can tell you...don't go with a home equity loan...
I did that with my other house. It sounded so good...low interest at the startup, but shortly thereafter, I kept getting notices of increased interest rates. I've actually had two of those home equity loans, and it was the same with both of them. I finally managed to sell the house and pay them off, downsizing considerably.
It seems there is no quick fix for debt!
Patty