I was running out of cash and needed to make ends meet. My home equity agreement saved me.

I was running out of cash and needed to make ends meet. My home equity agreement saved me.

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This as-told-to essay is based on a conversation with Eileen Perry, a 57-year-old from North Carolina. Perry entered a home equity agreement with the financial services company Unlock to access her home equity. This conversation has been edited for length and clarity.

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