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I don't know about loans, though you could look into refinancing your house or getting a home equity loan.
But another way is to take a long hard look at what you spend your money on--most of us have places we can trim.
Do you have cable, internet, cell phones? Those are monthly bills that you can cancel (use the library for internet, read more books, don't use the cell phone). Check our your insurance deductibles -- raising them can save you money every month. Stop buying coffee, eating out for lunch. Eliminate junk food, cook more from scratch (w/o cable or the internet, you'll have more time). Sell old clothes at consignment shops. Pick up a paper route, get a second p-t job.
Remember, these austerity measures are temporary, but if you save $100 a month, that's $1,200 after a year. If you earn an extra $100 a week (remember, there are two of you), that's $5,200. Now you have $6,400 -- much closer to where you want to be. It will take time, but all good things do.
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