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I decided to check on the availablity of home equity seconds and looked at the websites for 4 local credit union. Only ONE of the 4 offered either equity loans or line of credit exceeding 80% combined loan-to-value, which affects you since--based on the home value you stated--you are already presently at a 79% LTV. The website for the one CU that went to 90% was schoolsfirstfcu.org, otherwise FHA may be your best option. (As I think about it, FHA does have a 203k rehab loan if you are considering more expensive than $15k to $30k, but it is not offered by many lenders. Its rate/fees are also higher than a "regular" FHA loan.)
Keep the loan you have and talk with a local bank or credit union about doing a home improvement loan.
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