Hi Ken -
I assume you're talking about a home equity loan? The first question would be "how bad is your credit?" If your FICO score is 620 or above, you should be able to find a lender who will work with you. Some will go lower than that, but few will go below 580, even if you own your home outright.
The second question is about your income and debts -- how much of your monthly income is going towards debt payments of various kinds? Home equity lenders will generally allow you to spend up to 43 percent of your gross monthly income on debt payments, including the home equity loan, though with poor credit you may face a lower debt-to-income limit.
Third, what kind of property is it? To be eligible for a home equity loan, the property must qualify as real estate - you have to own both the home and the land it's on (or a shared interest in the land, as with a condo). Manufactured homes or other structures on leased lots do not qualify, though some lenders will offer chattel loans secured by the unit itself.
To see if you can prequalify for a home equity loan click on the "Home Equity" link at the top of this page and use the rate quote box to obtain quotes from up to four lenders.