Thanks everyone. I'm going to shop around locally. Basement needs to get one in the worst way and I need to start this process before the end of the summer.
I think I can get a 3% on a HELOC loan from a local bank, but I'm going to meet with them Monday. Not worried about the additional payment. My mortgage is very manageable and paying off student loans will significantly free me up to handle another 300-400 a month.
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