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... show more 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.
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