I have a private lender that loan me 97k (balloon) and it is up next Fall. I am single make $100K/Yr. Currently own the home with about $200K in equity. Small credit card debt 2k. I have two car loans and that’s it. My credit is fair about 600 +. I need to get out of this balloon payment through this private lender, what can I do? I want to get a loan to pay the lender off and possibly one of the vehicles to be able to breathe a little bit better knowing A - I don’t face having to possibly sell my home B - have a normal loan and free up some financial obligations.