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Equity can be positive or negative. You have positive equity in your car when it's worth more. You can use the cash from a home equity loan to buy anything you'd like—after all, it’s your money.
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Home equity loans are available in 48 states, but the lender does not offer home equity lines of credit (helocs) at all. The credit union of texas offers both home equity lines of credit (helocs) as well as home equity loans. A home equity loan lets you borrow against that equity.
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