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How to access equity in your home 
Calculate the equity in your home. 
Equity is the amount of value in your home after you subtract the mortgage from the home's value. For example, your home might be worth $300 , 000 and your mortgage might be $150 , 000.
This means you have $150 , 000 in home equity. You can estimate the value of your home by looking at how much comparable properties have sold for in your area.