Second Mortgage??

I’m looking into other options for debt consolidation and i was wondering about this? What does it entail? Do we have to refinance our home, cause i really dont want to! Or is it just another loan? I’m just curious and asking questions to see if this is something we should concider! Thanks for any and all help!!!
As of next month we have been in our home for a year. I’m sure we have quite a bit in equity because we have done alot of improvements to our home. We dont need a whole lot, about $ 20,000.

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