Please help!! I want to use my current home equity to buy a piece of land in a month that costs about $60,000 and build on it in 5 years (approx cost to build $140,000). I have a 30-year fixed 80-10-10 loan on my primary residence.Current home appraised value: $420,000Loan 1 balance: $200,000 @5.75%Loan 2 balance: $ 20,000 @6.625%In this "measured rate hike" environment, should I apply for a Home Equity Loan, Home Equity Line-of-Credit, or refinance everything and take money out? Why?Thanks for any guidance!!!