/biz/ - Business & Finance

So here's the situation in a nutshell: I do not have the cash to pay my mortgage and HOA fees for next month, much less power/water/etc. I am unemployed and have run through my savings and the unemployment benefits in my state are absolute dogshit that cover nothing.

Right now I'm praying that I'll be able to take out a HELOC or a cash-out refi but with unemployment as my only income that seems dubious at best, and payday loans are limited to the point where it won't cover what I need.

Do I have any real options here besides the HELOC? Is there any way I can leverage the massive amount of equity I have given my low income and high income/debt ratio?