Getting a second mortgage is a big hassle and cost, especially if you don't have an income. You can get an asset backed mortgage but those are less common and can have higher rates.

A HELOC is certainly easier but there's no guarantee you will get approved, plus rates will likely be higher than whatever you're paying now.

My point is that getting credit is not guaranteed, and that having liquid assets has significant value. If you are not working I especially recommend prioritizing cash.