Current owners that have accrued some equity have the option to use that for loans and assistance. Equity is built up in two ways. First, houses typically increase in value over a period of time. If the individual minimally maintained a house, if it is in a decent neighborhood, and if the real estate market in the community is somewhat normal compared to the rest of the country, the house is probably now worth more than what was originally paid for it. This difference can be used for home loan business opportunities. Second, if the consumer has owned the home for at least a year or two, the balance has probably been paid down by a few hundred or thousand dollars. This difference is the equity that can also be used for a home loan business opportunity.