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Second Mortgage Information: Rates, Loans & Lenders – The amount that can be borrowed is based on the equity in the home, which is the difference between the current value of the property and the amount that is owed on it. Another option, if there is enough equity, is to refinance and borrow funds in excess of the current loan balance.

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Home Equity Loan vs Home Equity Line of Credit (HELOC. – How much can you borrow against your equity? To calculate your home equity, you’ll need to take the current appraised value of your home and subtract how much you still owe, which includes any liens on the home.

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