house free and clear looking to sale or first mortgage who do I contact in borrowing against equitySEV for current year is 13500 represents half of market value? (T or F) I believe that figure omits home improvements totally 13000 made in 2008. How would I gain a loan or home equity line of credit based upon a current evaluationJuly 10 2009 - Flint00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.