Have you considered a cash-out refinance as an option? This would also be an option that can help you free up some cash for your situation. Many people in your situation commonly choose a cash-out refinance over a HELOC. Either way, the best thing for you to do is to speak with a knowledgeable lender to see if you can get started on refinancing. If you need additional assistance, feel free to reach out. Good luck!
Sr. Mortgage Banker
NMLS # 659743