Whew — you waited a few weeks too long! Rates have already started to rise. The last thing you want is a home equity loan — which could float higher with interest rates. But maybe you could refi to a 15 year mortgage and get your rate down closer to 3% — AND take some money out in the refi process. Let me give you a shortcut. Contact Leslie Struthers at Guaranteed Rate (Leslie@rate.com) — Use my name or not. But she can get it done for you if anyone can. Don’t delay.