re: HELOC options in Louisiana?

The benefit of a HELOC is that you can re-use the available credit after you pay the balance down.

Outside of that benefit, the earlier response about a fixed rate second is worthy of consideration.

Is your goal to reduce interest rates?
Open up monthly cash flow?
Both?

All of that goes into consideration when reviewing your options.

Unlike the other response, I'm not afraid of securing debt against the home. It generally permits you to lower the interest rate AND free up monthly cash flow.
If you were planning on paying back the credit cards and installments, then I'm sure you will pay back the 2nd lien (with more favorable terms).

As for who can offer options.
1) call your first mortgage company and ask them. They already have 1st lien position and may be able to do a no close HELOC.
2) call your local bank and a local credit union. Credit unions are typically really good at savings accounts. Or really good at loans. Rarely both at the same time. So avoid calling the credit unions with the highest savings account interest rates.
3) call a mortgage company (Rocket Mortgage. US Bank. Lending Tree).

It has been a long time since I looked. But local banks/credit unions used to have the best terms for a 2nd mortgage.
A mortgage compay/broker would be the next option if approval at the local bank level doesn't happen (terms are great, but they are also conservative in risk).