You may be able to get a HELOC (home equity line of credit). It is like having your own bank,. You could check with a mortgage broker for that. I know of some if you need referrals. Also, you may be interested in this new program. It works well with a 30, 20, or 15 year mortgage. I am currently using a HELOC with a new software program that helps build equity fast, and will payoff my home in less than half the time without refinancing, and without extra payments. It is saving me thousands in interest, and pays off home in less than half the years. E-mail me if interested.

The rate would really depend on where you are located. If at all possible, a loan secured by an asset (i.e home) will be markedly less expensive in terms of interest. 5 years is a reasonable term for a personal loan of that size.

For rates and payment calculators, visit your bank’s website -any of them worth doing business with should have calculators built in to their website.

Again, much of this depends on your geographic location.

There is a lot of competition in the U.S for lending, shop around to different banks and let each know when you got a lower rate somewhere else. It will be surprising how their best offer improves when they know another lender has a better rate.

u dont necessarily need to make a loan what u can also do is get a credit card from a store like home depot and just purchase what u need and pay off the amounts chances are credit card payments will be cheaper than a loan