If you've ever tried applying for a personal loan worth five figures or a credit card line valued at close to $100,000, you already know how difficult it can be to get approved. You'll likely have to provide significant amounts of paperwork, be willing to have your credit checked (perhaps multiple times) and the time to be approved could be lengthy. If you're a homeowner, however, particularly right now, you're in luck. With the average home equity amount sitting around $300,000 now, borrowing