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Refinancing or home equity loan? - no doc home equity loan

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Refinancing or home loan?
Okay, my husband and I get a mortgage. What do I need to know how everything works. Our house is not worth more than they bought for about $ 15,000.00 less, but we 60,000.00 equity in the house. We want to make some changes to our house, so we have received the loans. My husband is even if we, the loan we have no doc loans - which had been no evidence of any income received. We have great merit, not that none of the questions if appplying can get mortgage or not, because they are at home, as high as they have assessed pays? Thanks