Starting out....should I refinance my house for $

[Alisha Solache]

Hello, I'm just starting out, and trying to figure out a way to get "into the business."  We don't have much cash on hand, so I thought we could refinance our house, and get money that way.  It will only be $20-$45,000 depending on what the appraisal says. Should we do it? My credit is full with our house and school loans, and my husband just started to get credit a few months ago. Any suggestions would be much appreciated.