Home Equity Line Of Credit Rates

A few years ago I called on my home equity to the tune of 30,000. Rates continue to be permitted because they are a couple of points above prime, but I feel like I'm sitting on a time bomb. I am not best placed to refinanace home because of the lower value. How do I transfer this debt to something with an interest rate locked while I repay?

Have you ever thought about a personal loan? which would be blocked and you could pay the 30k. Its just an idea can be so do not jump into it. I suggest finding a mortgage person authorized to assist you. And if I did not ask the bank because most of the time it is not there to help you!