Is it probable to get a home equity loan with a 565 FICO? I’ve been offering refinance options, though after a shutting costs it’s not customarily worth a con as well as increasing

I listened which there have been shutting costs upon home equity loans. Is this a case? Also i only paid for my residence in Sep as well as was told i dont have any equity in my house. Though

Is it probable to compensate off a debt with an home equity loan if a APR is reduction than what we am profitable right now? we assimilate which if we refinance, there have been shutting costs as