Home equity loan explained the way nobody ever does it

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Home equity is one of those things every homeowner has and almost nobody can quickly explain.

The math is simpler than people expect: home value minus what you owe equals your equity. So a $500K home with a $300K mortgage means $200K of equity sitting there.

A home equity loan turns part of that into a lump sum with fixed monthly payments. No guessing what you'll owe each month.

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