how can i get a home equity loan 
you can get a home equity loan by contacting a lender who offers these types of loans the first step is to get a professional appraisal of your home to find out its market value if you have enough equity in your home to take out this type of loan a lender will also check your credit and debt to income ratio if you qualify for a home equity loan your loan funds are usually delivered in a lump sum after the closing home equity loans are essentially a second mortgage on your house with fixed rate monthly payments 