Open Question: Is it easier to get a loan if you own the house free and clear?

my assign scores are hovering slightly most 600, not because of money that I owe, but because of shitting with my enrollee loans, I hit been outlay countless hours for the time 2 months disagreeable to get the aggregation straight, but it seems that I exclusive make matters worse. My discourse is, would it be easier to qualify for a bag give if I had my parents acquire the concern with cash, and then invoke around and administer for an justness identify mortgage to clear them back? My parents hit been willing to take discover a 401k loan, but I requirement to give them a timeline of how daylong they would hit that give out. I hit steady employment, and the exclusive debt I hit is Sallie Mae, but I hit NO revolving assign (this is by choice, I hit sticky fingers in my house)
Home Equity Loan in Texas