<prompt> Human: So I closed on 600k home for which I took out a 450k mortgage earlier this year 3 zero points. Now in need of 100k to help mom with her home purchase. How can I borrow 100k so that it costs me the least? Im thinking of applying for a home equity loan but wonder if I can deduct the interest for that loan from my taxes. Thanks.Edit: Thanks for the answers and additional questions. The situation is more complex than I described in the quick post but Ive gathered useful information.  <response>: Easy, sell your home and get something cheaper and then help your mom.That or say no to her, which is even better, because if she needs 100k to get a home, she cant afford it. 