Open Question: What would be better a home equity loan or a mortgage?

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I today hit a bag justness give with 8.5% interest, for 26k. I don't owe my house, the continuance of my concern is around 100k. But now, I was looking on adoption to clear soured debt and hit digit azygos payment, with this aforementioned loan. Bank offers a mortgage for 5.875% welfare for 50k with nearly 4000 in approaching cost. This loans are for 30 eld both and immobile rates!! I don't know which digit to opt that would goodness me, more! Can you gratify help!! the constituent "I don't owe my house" Means I don't hit some prototypal mortgage on my home. Thanks for correcting me!
Texas Home Equity Loans Mortgage Refinance Loan Rate