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Home equity loans and HELOCs (home equity lines of credit) are two versions of the same type of loan but with some major differences. Both are secured by the equity in your home, but the way you borrow money and calculate your loan payments are completely different.

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Discover the equity in your home with our home equity calculator. home equity loan, loan calculator, second mortgage, refinance, refi

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At the very least, you might think that Democrats would do something about the anomaly in the tax code that treats the earnings of private-equity and hedge-fund managers as capital gains rather than ordinary income, and thereby taxes them at 15 percent — lower than the tax rate faced by many middle-class Americans.

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What the home equity loan calculator does. To determine how much you may be able to borrow with a home equity loan or HELOC, the calculator divides your mortgage’s outstanding balance by the.