In an environment where market uncertainty is pronounced and interest rate cuts  look to be on an indefinite pause, many Americans may be looking for affordable ways to borrow money right now. And with personal loan interest rates over 10% and credit card rates over 20%, neither represents a viable way to make ends meet. Homeowners, however, may have a viable source right under their own roof via their home equity . And, according to a report released this month, there's plenty to borrow from. "