Hello everybody. I am having somewhat of a brain freeze as to how to pay for a room addition which is going to cost us 40k. Even though we have the cash it would amount to about 10% of our investments. A home equity loan for 5 years through PenFed has a fixed rate of 4% and no closing costs. Our cash part of our investments are in PenFed CD's earning 3.06% and our mortgage has a rate of 3.375% so I don't want to do a cash out refi and mess with that rate besides there would be closing costs involved. I'm just thinking with rates so low right now that maybe we should use other peoples money. Thoughts. Thanks.