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Key Points U.S. home values are up right now. There are ways to use your home equity to your advantage. You may want to act soon, since housing market conditions could change. Are you ahead, or behind on retirement? SmartAsset’s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don’t waste another minute; get started by clicking here.(Sponsor) There’s a reason so many people have struggled to buy a home in recent years. U.S. home values have soared in the past half-decade. But the combination of elevated home values and mortgage rates is making it difficult for new buyers to afford a house. As difficult as the situation is for buyers, though, homeowners are in a great spot right now. As this Reddit poster says, if you own a house, you’re probably sitting on a “mountain of cash right now.” And the poster thinks more people should be taking adv