Just completely fill out the on-line application. That's all there is to it!  You will be contacted within 24 hours when LOANPHONE receives your application and processes it. With approved credit, you will be able to write check for anything you need , right up to your approved dollar amount. You can use part or all of your equity whenever and however you want you decide! You only pay on your current balance, and you can use it up and pay it down as many times as you want for ten whole years!