I know you said Equity Loan but PENFED has a HELOC that is currently 4.5% (adjustable) and should remain there through at least December. You can set it up to be interest only payments or amortized and has $0 closing costs (as long as you keep it open for 2 years). Also Navy Federal Credit Union (if you qualify for membership) has a HELOC at 4.00% (adjustable).