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The equity in your home is the difference between the value of your home and the amount you owe (your mortgage and any home equity loans). Most lenders will loan you up to a certain percentage of the value of your home. For example, many lenders will loan up to 90% of the home's value. Some lenders will loan even more than the home is worth, say, 105% or 110%. Beware of these loans, especially in an uncertain real estate market. If you take one and cannot make the payments, and the bank forecloses, you'll owe more money even after than bank sells your house.