Talk to a mortgage specialist and borrow from a private lender, the interest rate will be more then the bank rate, but less then the rates on your unsecured credit.

Call local Mortgage Brokers + ask how to do this.

Likely they'll know people who write cash out loans on large equity properties.

And... $30K is fairly low... Likely you can acquire enough credit cards to pay off this low an amount.

Start by hiring a credit cleaning service. You can contact me for my personal list.

I always clean my credit before doing any loan applications, because credit reports tend to build up all sorts of cruft over time.

Last time I had to refi a house, my FICA mid score was 618 + after paying $200 + six weeks of work by a credit cleaner, my FICA mid score was 796.

After your FICA mid score is near 800, then go out for credit cards or refi your home or apply for a 2nd loan for cash out.

You have 50%+ equity in your home.

You can pretty much get a cash out loan any day for if you have 35%+ equity (last I checked).

Your local Mortgage Brokers will know better what's available in your area/state.

I believe that it is tapping problem. Second Mortgage is an option you have. Also known as a home equity loan, this type of home loan is the most structured, and it mirrors a primary mortgage. While these loans can come with variable interest rates, the interest rate is usually fixed. Home equity loans are amortized at the beginning. Each payment received is divided between interest and principal. Some HELOCs, however, require a minimum initial amount to be disbursed. HELOCs usually offer future amortization because of their structure. Unlike the other two forms of secondary home loans, HELOCs usually come with no closing costs. There is an option for this type of loan where you pay only the interest each month on what you have taken out.
You can read more here: https://www.investopedia.com/mortgage/heloc/home-equity/
Besides if you do have any questions give me a call: https://clarity.fm/joy-brotonath