It sounds like what you want is a home equity loan or line of credit. But be aware that every lender will pull and review your credit history as part of any loan application (secured or unsecured).

You may want to look at getting a home equity loan. There should not be any points and the interest rates are fairly reasonable compared to a personal loan. You could qualify for a home equity loan up to the appraised value of the home. You don’t have to use it, but it would be there should you need it. A home equity loan can be for any amount up to the worth of the home. There is usually not a prepayment penalty with this type of loan. You are only charged interest for the time you need the money. Since the loan will be secured by real estate there is little risk for the lender. Lenders have different criteria for qualifying. They will probably look at your credit history, income and value of the home.

No it is not a sure thing you need a good credit rating.

May be you can do that better you speak to the agent or the lender you got the loan.