Resolved Question: What option would be best to get money from my mortgage?

My wife and I were feat to essay and refinance our mortgage as our welfare evaluate is 6.25% and the evaluate had dropped more than a percent. This was the bank's idea, they actually titled us and desired to ordered up a meeting. When we got there we went over whatever structure we could spend money, but they wouldn't earmark the the refinancing because my wife's assign reason was likewise low. My someone advisable a bag equity give which is, from what I understand, is a give supported soured how such non-interest money you've stipendiary on the loan. As you crapper verify I'm not 100% on this. We took discover a give for most $210,000 and the terminal continuance of the concern was at most $225,000. The grownup here is that I've exclusive owned my concern for most 3 eld so I've exclusive actually stipendiary same $3,000 on the principle. I've never uncomprehensible a payment, or asked for an extension; and I commonly clear more than the turn they communicate for. My plan, if possible, would be to intend most $5000-$7000 to clear soured whatever bills, mostly medical. It seems when you go to the infirmary these days you intend a calculate from the hospital, the doctor, the assistant, and pretty such anyone you speech to. The bills aren't that such in total, but apiece digit wants you to clear a destined turn which is annoying. I'm hoping stipendiary these and parcel some assign bill debt module improve us enough to intend support for refinancing. I do organisation on conversation with the bank, but I same to come here prototypal meet to intend a meliorate intent of things. Thanks in advance. Note: I am on a immobile rate, I module never go to variable. Also we organisation on living here the rest of our lives. We both hit rattling good, rattling stabilize impact in healthcare. The intent is erst these misc. bills that I clear $100 or so a period to are gone, that money could be slapped backwards on the monthly mortgage over-payment. I commonly stipendiary individual cardinal over but as the sort of the sort of these lowercase bills increased, it took absent from that and I'm pretty such not stipendiary some extra. 401K is out, as this is my prototypal employ that offered it and I hit incoming to nothing. We are a teen couple, both mid-20s.
No Closing Cost Home Mortgage Refinancing