The other nice thing with Zions bank is that they gave me 6 mo promo rates at 4.5%-5% on these HECLs and then they bump up to maybe 1-2% above prime? 

BLOC FL, CO, OH, UT, IDMerchants Bank MN See Pavel UshakovMid-Hudson Valley FCUMountain America CU Utah, ID, MT, NV, AZ, NM. 85% LTV, promo rate of 1.99%.

Mountain America Credit Union in Utah, Idaho, Montana, Nevada, Arizona, New Mexico. 85% LTV, promo rate of 1.99%.

Some other marketing tools that I found were www.adwerx.com (old promo code FB2017 may still work), Google AdWord (you only pay for clicks), and I used www.agentmarketing.com they have a lot of website templates and landing pages.

Pretty straightforward, low margin, locked in for first 18 months was the promo they had when I signed on

They have a promo going on now where they will pay for your first hour of repair or service provided through their app.

@Bonnie WilliamsHey Bonnie - We got the 1.99% for 12 months from Synovus Bank as a promo.

It seems most of this article is about how to get money from a credit card instead of actually getting it for 0%.Furthermore, 0% doesn't meant no effective cost since their is usually 3% upfront fee or effectively 3 points on this money upon access.Most big banks will limit your cash advance to 20-40% of your normal credit limit so this severely limits your cash access when pulling it out of your credit card directly.Yes, you can use those balance transfer checks or cash access checks or even use that eBay method but in most cases these methods cost around 3-4% or points up front and may cost more when or if you have to do a balncent transfer later on if you haven't paid it in full by the end of the promo 0% interest period.The flip side of the coin is you can go to credit unions where you'll often find cards around 6-9.99% annualized rate that allow a cash advance for 100% of your card limit which is rare since a chase freedom unlimited card gives you about 20% of your credit limit in cash advance capability.The other issue with using credit cards is your utilization ratio which might severely impact your credit score personally and may push your score down to the point where you no longer qualify for a mortgage if you happen to be looking to refinance out because of a lower credit score.The other issue of utilizing credit cards is the min payments showing up on your credit report.

They ran a promo that offered an additional month for free.

GoldMoney was okay, but getting the account approved took a few months but was great after that.Just be sure to map out everything, including when the promo 0% interest rates expire so you can plan to have the cards paid off.