A home equity loan is not a refinance - it is borrowing against the equity in your home, but perhaps someone else can clarify this as I have never heard of this kind of refinance.
Do you qualify for a HARP 2 refinance?
All of the rates above are high - why? Your FICO scores? Other debt load? What is your current interest rate and what kind of original mortgage did you get (30 year fixed, ARM, etc. ?
I would read Mortgages for Dummies to educate yourself on mortgages.