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A home equity loan is second mortgage that lets you turn equity into cash. How, you may ask? A home equity loan allows owners to borrow against the equity in their home. This type of loan uses the equity built up in your home as collateral. Equity is the value of your home minus what you still owe. After the equity in your home is found you can borrow money against the equity for a variety of uses. Homeowners often get this type of loan to pay college tuition, make major renovations on the home or to pay off credit card debt.Think a home equity loan is right for you? Apply online to multiple lenders and let them compete to get you the best rate or if you still have questions and not quite ready to apply you can ask our mortgage professionals to learn more.