I have 400k in equity in my home and need to refinance to pay off credit card debt

Sadly, this is why a "home" is the one of the most unprotected investments you can have.. You can have $250K equity, but if you cannot make the payments, the lender will foreclose.. even if the home is paid for, if you don't pay the tax bill or the association, it can be foreclosed. In your situation, you have become sick or unable to work and want to get to your equity.. but, unless you can qualify for a loan, you cant. In all reality, it's hard to advise you specifically without looking at your complete loan profile.. We would need to know what the home is worth, how much you need to borrow, what your monthly income is and calculate the debt to income ratio's.. You can get a loan if your only income is disability income.. but we have to prove the income is going to continue for 3 or more years for it to be considered.. (usually proven by a Dr's note) if you have a temporary disability, then you cannot get financing.. but regardless, we have to look at the complete loan profile to advise you. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / LendUS, NMLS 1938/ AZMB0121893