Open Question: Is it easier to get a loan if you own the house free and clear?

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my assign scores are hovering slightly about 600, not because of money that I owe, but because of shitting with my enrollee loans, I hit been outlay innumerous hours for the past 2 months disagreeable to intend the aggregation straight, but it seems that I exclusive attain matters worse. My discourse is, would it be easier to remember for a bag provide if I had my parents acquire the concern with cash, and then invoke around and administer for an justness type mortgage to pay them back? My parents hit been willing to verify discover a 401k loan, but I need to provide them a timeline of how daylong they would hit that provide out. I hit stable employment, and the exclusive debt I hit is Sallie Mae, but I hit NO revolving assign (this is by choice, I hit sticky fingers in my house)
Equity Home Loan Texas