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Get Home Equity Loan Advertising Collection. Renting means following the rules, not being able to decorate and having restrictions on pets. A home equity loan is a type of loan that allows you to use your home’s worth as collateral. Westend61 / getty images taylor medine is a freelance personal finance writer wit. Understanding the best ways to modify your home loan requires financial expertise, especially when you’re facing a foreclosure. A personal loan calculator is a (usually) free too.