First off, I recommend that you find out what your FICO score is. Obviously, the higher the better. And if you know what it is upfront, you'll be in a better position to negotiate getting the best interest rates. Next, get an idea of what average interest rates and fees are. Armed with that information, you can now go to your existing bank/finance company and initiate conversations with them about getting a home equity loan. Often times, they can provide you with a competitive package.