since there is no mortgage, you are really in good shape - just an issue of finding the right institution to loan the money
try working with a mortgage company - google 'mortgage companies in Williamsport, PA' ( i assume that is where you are because you mentioned Woodlands Bank).
I'd call a number of them - because the amount you are seeking to borrow is relatively low, they may not be interested and / or could charge a lot to make the loan
if there are any credit unions in the area, that could be an option
are there any community self-help organizations that can point you in the right direction? Some communities have housing finance funds that would lend in situations like this
Make sure the lender clearly understandings that you own your home free and clear. That is more important then the credit score given the small amont you are seeking to borrow
My point is since you own your home outright, and you are only looking to borrower $15k against a home worth $80K, you are simply not a big risk - just need to find the firm that sees it that way.
Lastly, don't apply at a number of firms and let them pull your credit - all those 'pulls' will 'ding' your credit score even more. Figure out who is most willing to make the loan given the credit score that you give them and THEN once you are happy with your choice, let that last firm pull the credit report. make sense?
Good luck!
