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home equity thats what everyone wants thats what everyone is talking about but exactly what is it and how do you get it out once you own a home this is shahidah hill getting you over the hill to home ownership and helping you confidently buy your first home today were talking all about equity because one of the things that makes the difference in wealth creation is homeowners have equity where renters do not so lets explain what exactly home equity is home equity is simply the difference between what you owe on your home versus what its worth so for example if you owe on your mortgage one hundred thousand dollars but your home is worth a hundred and fifty thousand dollars that means your home equity is fifty thousand dollars thats the value that you have and im going to tell you exactly how to take it out and how and theres four different ways primarily that you can get equity out of your house now how do you build equity now you can pay down your mortgage so your regular mortg