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Poor Credit and Bad Credit If you were given the choice, would you live in an apartment or a house? Would you rent or own? Would you prefer to have poor credit or bad credit? Home Equity Loan Knowing the terminology is an important step to good decision-making. The term 'Equity' is an important financial term for the homeowner. Some do not realize that their mortgage lender does not own their entire home. Equity describes your ownership in that portion of your home that has no mortgage, loan or lien upon it. It belongs to you free and clear. This home equity is available for you to You could use your home equity ownership to finance other obligations in the future. This financing is referred to as a home equity loan.

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