<prompt> Human: Hi everyone. I was one of the fools that got those very enticing 51 arms attached to a Line of Credit to pay for the 2037; down. Now 13 years later I need to refinance my house cause interest is going up on the mortgage. I got into bankrate.com and choose the top two and put in my info and got a call, long story short, they say they cannot refinance me cause I have very little equity on my house because of the LoC more than 9537;. Here are the numbers: 251,000 left on mortgage, 56,000 left on LoC. Here are the questions: What should I do? Sell the house for a loss? max price I can sell it for 310K, Grab from my savings to pay the LoC off but drain the savings out? Tap into my Roth IRA pay a penalty and pay the LoC off? Is there something else I dont know for people like me still in this horrible loans? The company that has my mortgage is moving up my interest from 4 to 537;, and is making me pay lower principal and higher interest compared to what im paying now. Please help. Thanks.  <response>: I dont want to sound harsh, but I see this a lot in this sub. You arent getting screwed, you simply made bad choices and now are paying for it. After 13 years, it seems you have about 0 equity in the house given the numbers youve given...that just seems unconscionable to me. hell Im up 30K in just the 18 months Ive had my current house Why havent you been paying down that LoC aggressively? Whats the interest rate on it? 