100% equity in home... need loan advice?

I just negotiated a refinance on my home today with my current mortgage lender. They asked for proof of income - w2's for the last two years, plus pay stubs for the past two months. They also wanted proof of liquid ets. I am an existing customer with excellent credit. I ume that your lender would want at least that much. In addition lenders will check your credit. A good credit rating means better interest rates and terms for your loan. You should consider getting your income stream in place prior to borrowing money. You also need to look into establishing credit by opening a credit card account, etc. Having said that, why not just go on-line and fill out a home equity loan application with a mortgage lender. Someone will contact you and be able to give you the info you seek.