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

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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 spending innumerous hours for the time 2 months disagreeable to intend the information straight, but it seems that I exclusive attain matters worse. My discourse is, would it be easier to remember for a home provide if I had my parents acquire the concern with cash, and then turn around and administer for an justness identify mortgage to clear them back? My parents hit been selection to verify discover a 401k loan, but I requirement to provide them a timeline of how daylong they would hit that provide out. I hit stable 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)Other Article:

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Texas Home Equity Loans Mortgage Refinance Loan Rate