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I need to put my hands on 30-40K rather rapidly and would appreciate some feedback on my options. I have enough in my 401K but do not want to touch this unless I have no other choice. That leaves the house as an option...would I be better off refinancing the entire mortgage and taking out what I need under that scenario or would I be better off taking out a home equity loan?

The refinance option seems best on the surface but I'm not certain I understand the tax implications well enough to just pull the trigger. Are there other possibilities that I'm missing? Any feedback would be greatly appreciated.
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