If you don't already have a home equity line of credit, getting one now may be next to impossible, Stimulus Bill or not. 5 years ago, our home was appraised at $275K, last month it got appraised for $227K, even with almost $40K in upgrades since the last appraisal. That drop made it impossible to refinance. Fortunately, we took out the HELOC several years ago and still have most of it available. As for the interest on the RV loan, it is usually tax deductible since it qualifies as a second home (or primary if you' re a full-timer).