My only two options would be another HELOC or a fixed 15 yr equity loan at around 9% interest.Am I missing something or is it just my bank (Navy Federal Credit Union)Thanks,Mike

@Amy HerzingSo I have two types of student loans - federal and private.

@Linda Weygant It is possible that some localities have an overlay that would govern the situation but I have not heard of any. 

Conventional loans are the loans governed by Fannie Mae and Freddie Mac (if you recognize those names) and they are the lowest rate and best terms on a loan you can find.  

There are online directories where you can look up a prisoner's location (you'll have to know whether they're in federal or state prison) and then you can send them a letter.

Conventional loans are governed by Fannie Mae and Freddie Mac (if you recognize those names).  

@Devon Craychee @James Miller - check with Pioneer Federal Credit Union on their HELOC program for investment properties.  

@Cenddie Alaban there is a lot to your post so I will try to tackle it in pieces.For the most popular loan types (FHA/Conventional/VA/USDA) these loans are actually regulated by the federal government.  

Given that you clearly have a good grasp of the mechanics, I agree that if the value is peaking and you'd eventually just have to re-buy the property from the government, holding on to it long-term is maybe not the best course.

Despite what the government and pundits tell you they never went away.