No one can be certain as to where our world economies will be headed into the future and how we will be ultimately affected by their movements; but we will always be in need for major money infusions and this is where a good home equity bank can help!Although, most banks are not truly specific to the home equity loan, many are truly geared to this style of loan and a handful of others. While most, if not all of these reside online, you can still find a few offline as well but you may have to look far and wide as they are not easy to come by.Moreover, this type of lending institution allows you the borrower the very best packages available to any demographic of consumer. The reason for this is that your options online are virtually endless and the analysis that can be done is limitless. these banks are usually based on the web and focus much of their marketing efforts to specific loan types like mortgages and equity based funding.Your local bank will be much more broader based in it’s focus, lending anything from auto loans, to education based funding. Therefore, when they do not specialize, they usually don’t have as many options and are not as flexible with their terms as opposed to home equity banks.Yes they do yield you a bonanza of possibilities from a second mortgage fixed rate to equity lines of credit that even have plastic attached! Moreover, your terms of the note are really where the upside resides. Your ability to dictate the terms like payback time frames to actually negotiating your closing costs and eliminating points is truly enhanced via a home equity loan bank.Allow yourself the ability to shop online for real equity based lenders that can help streamline your efforts and ultimately maximize your return!