Home equity loans, HELOCs, and cash-out refinances let homeowners borrow against their home equity. HELOCs offer a revolving credit line with variable rates, ideal for intermittent needs. Home equity loans provide a lump sum with fixed payments but higher rates. Cash-out refinances replace the mortgage with a new loan, often at lower rates, consolidating payments. Borrowing limits depend on home equity, and tax deductions apply if funds improve the home.