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Real Estate Investment: Home equity loans versus refinancing There are many options for making use of your home equity value when thinking of building your property portfolio. These include loans such as home equity loans, refinancing your mortgage and many others. Home loan with tax benefits Home Loans and their high rate of interest dig a hole in the pocket of homeowners. On top of that the monthly payouts have to be juggled with the regular home expenses which are equally essential if not more. Free Up Funds With A Refinancing Loan The refinancing of a loan is simply where you attain a secured loan to replace an existing loan that has the same assets acting as security.