I need to fix my house: Should I refinance and get cash out or get a home equity line of credit?

Should I get home equity line of credit or refinance with cash out? I want to refinance my home to take advantage of lower interests rates. I also want to renovate my house and fix some things around. Should I refinance and get cash out to use for home improvement or should I refinance without [...] http://bit.ly/jySMp6