i have a home that is paid off, i would like to be able to get a loan for around thirty. i think it may be hard if my credit score is well below 650. i would like to have the money vailable in case of any emergencys or things that may come up. i dont want any rates that are not fixed, and higher int rates dont scare me.

with no mortgage, it should be easy to get bills paid off and on time

You want to take a loan for emergencies - why not just spend less than you make - save the rest in an on-line savings account making 5% interest - then you can pay for your emergencies.

You don't want loan payments when you lose your job!