Just got one, from our local, small county bank. We own our home outright, needed funds to buy a used RV that is going to be our home for the next two years or so, then used a about six-eight months out of the year after that. We also have a home that we are paying for and renting to a daughter. Got the fixed rate loan, plus a deal they have where you only pay the interest on the loan for up to ten years. That keeps our montly payments very low, and in about 17 months we are kicking the daughter out, selling the other home, paying off the loan, then owning our primary residence outright again.

The loan was VERY easy to get, since we were borrowing much less than the value of out home...