<prompt> Human: About 2 years ago, I started building a house with a little bit of help from YouTube and one or two family members. Initially, I used about 60,000 of personal savings. The last few months of building, I charged about 60,000 to credit cards and borrowed 20,000 in cash from family. I had hoped to get a home equity loan upon completion... When I applied about a month ago, I ran into several roadblocks. Because I did not have a contractor and I lived outside city limits, I wasnt required to get inspections or even a certificate of occupancy. The banks, however, want all of this before they will loan with the house as collateral. Although I could get some inspections done, I wouldnt be able to get some if the inspections that are required of building contractors earlier in the building process.My wife and I are both teachers, and I am a member of the Army National Guard. We have no other debt other than what Ive racked up in the last few months finishing this house. Monthly take home is approximately 4500... Monthly bills are approximately 2000... As a 33 year old, Ive never missed any payments and had a credit score around 800 before over utilizing and opening new credit cards the last few months.Currently my plan is to put as much as possible each month on the highest interest card and go from there, but I would prefer to pay back family quickly and get a lower interest rate.Does anybody have an idea on where or how I could get 70,000-80,000 loan without using the house as equity?  <response>: An unsecured loan in that amount is going to have an astronomical rate even from the most generous of lenders. I would keep pursuing your CO. 