Are you interested in remodeling your outdated kitchen? Perhaps you're drowning in a sea of high-interest credit card debt, or need to find the money to send your child to college. Or maybe you just want the comfort of a cash reserve account, so that you'll be prepared for any unexpected bills. If so, and you're a homeowner, a home equity loan or line of credit may be right for you. Before you sign on the dotted line, however, do some research to make sure you get what's right for your needs.