Should I consider a Heloc loan to pay off mortgage

[Barb Ivie]

I'm so looking forward to having my house paid off. I'd like to explore whatever options there may be to have it done asap.
I currently owe $37K, at 5.95% interest. This is the origianl loan I took out for my house. Unfortunately, I was in financial hell after the recession and not able to refi when interest rates fell.

My House is worth maybe $220K. I have an alright credit score, I'm guessing that it's around 620-650. I have no other debt besides a few hundred on my cc. My monthly mortgage payment is $777 and I've been paying $1000 a month for a couple years now. I'd pay more if I could, but I'm pretty much at my limit. Last month I paid $190 in interest and $646 went to principal.

I've not called any banks yet to run my numbers. I'd like to get better educated on Heloc loans and hopefully an unbiased opinion as to whether a Heloc would be a sound move to pay off my home loan.

TIA