99 in 10 Home Loan Challenge

Home equity doesn't increase your mortgage. It's the difference between what your house is now worth, and what you initially purchased it for. We initially got this place for $325,000. It now could sell for $700,000. The equity would then be $375,000. This would be money in OUR pockets, not something we owe the bank! I'm stumped as to how this is an additional challenge. Other than that this challenge looks pretty good. :)