"Borrowers Tap Their Homes at a Hot Clip" blurted a recent Wall Street Journal Headline.

It was bound to happen with rising home prices.

Didn't get a raise? or working two jobs to make ends meet and need cash? If you own a home you may be in luck. That same old home that you bought years ago is worth more today than it was last year. Your house hasn't become more productive and most likely has depreciated, but it's worth more and that means you can margin your used home to cash in.

Return of Home Equity Lines of Credit (HELOCS) and Lower Lending Standards – Deja Vu Redux?