Borrowing $90,000 should never be done quickly or haphazardly. And that's especially true when the funding source is your home.  While a home equity line of credit (HELOC) , for example, can be a cost-effective way to borrow large amounts of equity , it also inherently puts your home up as collateral . Fail to repay what you used and you can risk having the property foreclosed upon, putting you in a more precarious financial situation than where you started. That noted, right now is one of the