Is an opposing Home loan otherwise Home Equity Loan Most readily useful for me? Learn about contrary mortgage loans and you can HELOCs to check out what type was most effective for you. If you individual your house and want to utilize your guarantee to get bucks, you will be given a couple selection: taking out fully property security line of credit (HELOC) otherwise taking a reverse mortgage. Home equity credit line. A great “home guarantee personal line of credit”