I really don't care what the collateral is on the note. I only need around 25K, and only want it for 5-7 years. Several issues that costs me big time finally appear to be resolved. (the money is currently on a HELOC but the rate is variable and up to 8.75 already)

The few home eq people I talked to wanted fees, points, etc. and actually were quoting HIGHER rates than I could get on a boat loan. I even pointed out to 2 of them that it didn't make sense that I could get a better rate with no fees on something I could "move at night" whereas a home was secured to a foundation and not easily "hidden" from the banks.

I'm not fond of debt of any kind....I would pay this one off anyway.

Was this a credit card balance transfer? I just realized my limit of the card is higher than what I owe on the note

Newcoast Financial was the easiest loan company I ever delt with.

Kyle Vollenweider OSO – Loan Ranger
Newcoast Financial Services
18167 U.S. 19 N., Suite 300
Clearwater, FL 33764
Toll Free 866-639-2627 x46
Mobile 727-741-8150
Fax 727-450-1151

I'll second that that...AWESOME GUY (Loan Ranger here on OSO)

Even at a higher rate an home equity loan HAS to be better than getting a new loan for what you need......the interest is tax deduectable! Would your new loan be??

Yes.
I had that option, or deposit one of the checks into my checking account.
I chose to make out one check and deposited it. A max $75 fee was all it took.
I am free to use the cash however I want this way...

Alright, that's EXACTLY what I need and about the same amount of money!! where do I sign up for that?

Give Citi a call and ask what promotions they are running.

I didn't even ask for this, it just came in the mail one day. It was the lowest rate I have ever seen from any card company.

It was perfect timing too because Chase wouldn't move on the interest rate that was being applied to a $70 charge on my account. While the rest of the balance was 3.99% they were hitting me like 19% on that $70. I told the Chase supervisor that they just lost my business over a lousy $70.
Smart move! I kept her name and feel like writing a letter telling the company why I chose to pay off any of my debts with them and take my business elsewhere.

true, the advantage as Nort said is the interest is tax deductable, double the payment and it's paid off in half the time.