A home equity loan is a loan for a fixed amount of money that is secured by your home. You repay the loan with equal monthly payments over a fixed term, just like your original mortgage. If you donât repay the loan as agreed, your lender can foreclose on your home. The amount that you can borrow usually is limited to 85 percent of the equity in your home. The actual amount of the loan also depends on your income, credit history, and the market value of your home. Ask friends and family for recommendations of lenders. Then, shop and compare terms.
This undated image released by the Atapuerca Research Team (EIA) on March 26, 2008, shows a small piece of jawbone unearthed in a cave in Spain. The jawbone is the oldest known fossil of a human ancestor in Europe and suggests the continent was peopled much earlier than previously believed, scientists say.
A 400,000-year-old mitochondrial genome adds new twists to scientistsâ picture of early human evolution. By Ed Yong | December 4, 2013. Femur from Sima de los Huesos Sima de los Huesos, a cave in northern Spain, contains one of the largest collections of hominin fossils ever discovered. Now, this so-called âpit of bonesâ has also yielded the oldest hominin DNA ever sequenced.