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“HELOCs tend to be the easiest and simplest to obtain because they're not subject to Dodd-Frank rules or truth-in-lending regulations. Equity loans are the next simplest, but sources are more limited and they tend to be expensive. Cash-out refis are the most complicated to get, but are good if you don't have a great 

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Mar 7, 2018 About that cash: There are no VA restrictions on what the money can be used for. Common uses include settling old debt (including student loans) or making home renovations. VA does have other home-renovation-loan options available, but those come with rules on what can be repaired or replaced.