Just wanted to get it done as fast as possible. If I thought I'd have the loan for a long time I would have considered other options. But I should be able to pay off the car by the end of the year, if not by Thanksgiving.
Oh... well, then, yeah, it'd be silly to leverage the home equity for something that short-term.
Pity you couldn't just pay cash as you'd intended, but I know how car troubles can just suddenly crop up and force a decision. If you can pay off by Thanksgiving, the interest paid for three or four months will be miniscule no matter what the rate -- and it seems to me you'll then be right back on the Dave Ramsey "cash only" track and no harm done.
Ergo, congrats on the 819 credit score, and may you use it as rarely as possible.
;-)