<prompt> Human: So heres the deal. I bought my house at the absolute bottom of the market about four years ago and I currently owe about 155,000 on it. According to Zillow, my house is worth around 375,000 Currently. So I have about 220,000 in equity in the house. I know Zillow isnt accurate, but even with a 20 or so reduction from the Zestimate, I still have more equity in my house than I owe on it.My question is - is there anything I can do with the equity in my house to pay down my mortgage? I know I could conceivably do a HELOC, but then Id be stuck with a monthly payment on that. My interest rate is super-low 30-year at 3.5 so Im not sure a refinance would reduce my monthly payment that much.I know this is a very good problem to have, but Im kind of at a loss for what to do with the equity in my house right now. The market is too high to cash out and move into something else and Im very happy with my place. Im just trying to find out a way to reduce my monthly payment somehow, and Im thinking that with so much equity, there has to be a way to do it.Anybody have any ideas?Thanks!  <response>: Your question is like my car is worth more than my auto loan balance. Can I use the difference to pay off the auto loan?Yes, you can sell the car, pay off the loan, and keep the difference, but then you wouldnt have a car.Similarly, until your equity in the home is 100 of its value, you will still owe money. 