Resolved Question: can i get a home equity loan on a mobil home in california?

I have 22k on loanI need to move quickly but need to move wisel-my car repo roughly 17k to get it back conserv value 19.4k and I am unable to get approved on a car loan- Other critical info is my mortgage is late- owe 4k now another 2k on the first of Nov. (total 6k)
home equity is at least 60 days late min pay on the 1st Nov will be roughly 3k-
I owe roughly 20k in cc debt and the fees and interest are killing me. One cc is tied to my home eq and regular bank account and the bank is moving money on there own to cover lets say a partial payment to home equ and then they charge me a fee for moving it, being overdrawn and they get me on both sides. I owe 329k for my home The value has reduced due to economy and the range is presently 389-469k. There is
some equity left IF I could sell it quickly.
The money I am using is a loan and need to be paid back.as it is their safety net--I am nowunemployed(temp) I need the car for intervs and a requirment for my field HELP appreciat

Resolved Question: How do I qualify for a home equity loan line of credit?

I need money for home improvements, and I also want to get my mortgage payment lower.

I bought this home in march 07, and I have made minor improvements, but the house needs improvements.

If there are any real estate pros out there with some good practical advice please expound on this topic.

Also, I have paid off some credit card debt since I bought the house, so I think my credit rating is better.

Resolved Question: financial planner or someone else?

My husband and I have work to do on our home....we have a baby and are trying to save for another, but are working within a budget to make some home repairs and renovations. We also invest and are saving for our daughter's education.
We've discussed getting a home equity loan and are on the fence about it....we aren't sure about the best way to juggle our finances without touching our savings and other monies.
Who would be best to go to for this? Do we see a financial planner to help us decide on a course of action, or would those questions be answered if we simply go to the bank and talk with someone there?
Thank you!!