Loan for Renovations for Free & Clear home for resell?

[Shirley McLean]

I own a free and clear home that I want to renovate and sell. If I get a HELOC or HEL, I believe I have to homestead the house before applying for the loan which means waiting until Jan 1st (I'm in Texas). I don't know that those are the best options if I plan to sell because I'm not sure if you have to pay off the loan before selling the house. Cash out refi has high costs I believe. I have a credit score over 700 and 100% equity, but low income on tax statements (self employed). I don't want to pay high closing costs or spend months waiting to apply for a HELOC/HEL then closing time then renovation. What's the best way for me to get funding for renovations now without paying a fortune in interest for personal loans or high interest credit cards?? After the house is renovated, I plan to sell it. It probably needs about $20k in renovations including new appliances. Thank you.