Sell the pins - fix the house and after "dust settles" buy some pins again.
Unless you have something you really love or is super rare there are always going to be pins for sale. So what if you pay 20% more than you sold them for to get them back in two years it is still cheaper than a loan and odds are you will be able to replace them with something you like as well or better anyway.
Pins are always coming & going here. I never fall in love with any of them!