<prompt> Human: If I can get a home equity loan at 4 I should be able to reinvest that money and make more than 4 my lendingclub account is getting nearly 12 return.That being said why should I keep equity in my property?  <response>: A bank cant foreclose on your property if you own it. If you take out a home equity loan, your investments take a dive, and you can no longer make payments on it because you lost your job, now youre homeless too. 