Home equity loans are loans secured by the equity (the difference between market value and the amount left owing on your home) you have built up over time. The interest rates on these type of loans should be relatively low, and borrowing money to pay off higher interest loans credit cards, or borrowing for investment, could be benificial depending on the circumstance. If using the loan for paying down credit cards or higher interest loans, I would recommend not using or cutting up a few of your cards to prevent you from digging a larger financial hole(it is an easy hole to dig). Here are a few reputable online lenders that provide home equity loans.
Find the best rate by filling out a no obligation application (should only take a few minutes).

Can't go wrong here