<prompt> Human: I purchased a home less than two years ago. It has a septic system and the drain field needs to be replaced. It started to fail recently. The county wont permit any repair work, so it seems my only legitimate option is to connect to sewer. Total cost with fees and construction is looking close to 30k. I could come up with maybe 10k, but it would be a very hard hit. Im not sure how to handle this financial burden.My options right now seem to be: The county offers a low interest loan program through a local credit union. Im not sure of the rates. I could refinance and cash out 20k to 30k. Original loan was 254,800 4.125, 30 yr fixed started in 082014. I also have a HELOC with 10k available. I have about 36k locked in last year at a fixed rate that we used to do some renovations early on.Is there another option I have yet to consider? Perhaps a state WA or federal program Ive overlooked?I never considered refinancing until reading posts here. Is that common in this situation?  <response>: look into the county loan program, you may be surprised at the rates.as far as rather or not to refi, i wouldnt. if you can re-fi and get cash out, youre either going to be taking yourself below the 20 mark and putting PMI back into the equation, or youre still going to have more than 20 equity stake in the house and wont have to do it. if the second scenario is true, itd be easier and cheaper to just take a home equity loan not heloc, but a loan, slightly lower rate and do the work. BUT, since youve only got a 10k line available on the heloc, it makes me question rather or not youd be able to refi without dealing with PMI again.401k loan, personal loan, cash from friendsfamily, or the county loan. county loan will more than likely be your best bet. 