Possibly you've already solved the problem....but in general, having all your equity tied up in a home is not a good idea...simply for the reason you are experiencing. Once you give the bank all the cash, getting the equity out if much harder despite the good reasons you have....if your credit score is low, or you are unemployed, you will not be able to get an equity line or draw...you won't qualify. In fact it will be harder to get your equity out with a poor score vs getting a new home with a poor score!
Always protect equity by keeping in a safe conservative side fund that gets a real return and be available if you need it...regardless of market conditions that money will stay protected...what ever you do, don't think you have your vacation fund with this money...that will defeat the purpose of the strategy of protecting your equity and wealth. Tom Hinz www.shortsaletosell.com