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.