<prompt> Human: I recently bought a house in September for 165,000, I put down 65k from a settlement and got a loan for the remaining 100k - so I have a low mortgage. I just recently got married and found out that we could be expecting. I am in about 6k of credit card debt but I want to prepare for our new arrival. I was wondering if it is possible to borrow against the down payment to pay off my credit card debt. Is this possible? I went through a lending agency to get the house and after a bank took over the loan who I pay my mortgage to now who would I need to contact in this case? Any help is greatly appreciated.  <response>: Presuming you still have more than 20 equity in the house, you can just get a home equity loan or a HELOC. You can get one from any bank; it doesnt have anything to do with the first mortgage.A 0 balance transfer is also a reasonable idea.But the primary concern here is that credit card debt indicates youre spending more than youre earning. The standard adage is you cant borrow your way out of debt. So, you should also take a look at your overall finances and figure out what changes you need to be making. 