Iffy credit. Secured loan Vs home equity loan (same or different?)?

Full time teacher for 1 year. 7k salary, credit score 648. 65k in student loan in defferment until I get my masters in 2015 20k in car loan in good standing, no active tradelines. I own house outright, just bought it for 80 k, cash. Can I use it as collateral for a 15k loan? or would I.need better more established credit?
37k, whoops. lol.

So would are home equity loans, the same as a secured loan with the house as collateral? or could I maybe not get a home equity loan, but could still put up the house for a loan?

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