What are my options?I purchased my first home, a co-op, in a very up and coming neighborhood in Harlem. I got a great purchase price, but had to purchase it with cash outright. My parents lent me the money for the initial purchase, so there is no mortgage, but now I am going to refinance and pay them back. I have 2 questions: 1) where should I look for first time home buyer benefits?2) Would I be better off with a Mortgage, a Home Equity Loan, or a Home Equity Line of Credit? I don't really understand the differences for me as a borrower.November 09 2011 - Harlem00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.