As you pay down your mortgage, your equity value in your home increases, and you can use this equity as collateral to borrow money.
Equity-based borrowing may be a better option for you than a personal loan or credit card. First, the interest rate is generally lower than a personal loan or credit card account. Also, the interest you pay on the loan may be partially or fully tax-deductible. (Please consult your accountant or tax advisor.)