Hey my dudes, so as you have all read I’m sure some of my posts and know I’m positioning/posturing for my filing.

Looking ahead to keep the home I’m researching options and looking for any experiences this sub may have.

I plan to pay out her portion of the equity to keep the home which leaves me with do I cash out refi (VA loan and I don’t have to pay any funding fees), HELOC reduces the footprint to what I need and contains the interest rate to the amount paid to her which also keeps me in my current lower rate (3.2%) mortgage, equity loan which is similar to the heloc.

Any insight you can provide is appreciated