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If I want to take out an equity loan lets say like $10,000 and this is the only option to get this amount funds now. So, how does it work. I have to refinance my load completely and basically get two loans with different interest rates. Reason I ask, I can see some banks offer good equity...

If I want to take out an equity loan lets say like $10,000 and this is the only option to get this amount funds now. So, how does it work. I have to refinance my load completely and basically get two loans with different interest rates. Reason I ask, I can see some banks offer good equity...