1. How To Make Real Money On House Of Fun
2. How To Make Real Money On House Of Fun Slots
3. How To Make Real Money On House Of Fun Casino

The U.S. real estate market is often depicted these days as a place where the dreams of first-time homebuyers go to die. But it can be easy to forget (or ignore) just how positive an impact homeownership has on Americans lucky enough to survive the gauntlet.

Thanks to escalating home prices, approximately 46 million homeowners were sitting on a record $7.3 trillion in equity at the end of 2020, according to mortgage technology and data provider Black Knight. That works out to an average $158,000 in equity per homeowner.

If you live in a hot market and have held onto your property during the last year-plus of housing madness, you're basically living inside a king-sized piggy bank. And, you have a few ways of shaking out some of the cash.

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Take out a home equity loan

A home equity loan is often called a 'second mortgage.' When you apply for one, you ask for a set amount of cash and use your home's equity as collateral. If your lender agrees to play ball, you’ll receive the full amount all at once and then start paying it back — on a fixed payment schedule and at a fixed interest rate.

You'll need enough equity built up in your home to offer value as collateral. And, having good credit will improve your chances of accessing the money you need. Take a free look at your credit score and see if it needs fixing.

In addition to uses that include paying down down debt or covering the cost of a child's education, a home equity loan can help make your home more valuable. Typically, the interest rate will be lower than the rate on a credit card or personal loan, so a home equity loan can fund renovation projects that add value.

The loans also can be paid off early and refinanced at lower rates. If you'd taken out a home equity loan in late 2019, before COVID tanked interest rates, you could refinance it at today’s much lower rates and slash your monthly payments.

Open a HELOC

While a home equity loan provides a one-time infusion of cash and charges you a fixed interest rate, a home equity line of credit is an ongoing arrangement that involves a variable rate. But HELOCs are a little more complicated than that.

Video: New home sales drop 5.9 percent as prices accelerate (CNBC)

They break down into two parts: the draw period, when you can withdraw cash at your own pace until your borrowing limit is reached; and the repayment period. Both phases can stretch out for years, maybe even decades in the case of repayment. But once the draw period ends, your HELOC borrowing is done.

Though it’s called the draw period, you still have to make payments during that stage of the loan. The payments are often fairly manageable because they’re interest-only. Once you officially move into the repayment period, the principal of your loan gets factored into your payments — and they become much larger.

That's one of the more prominent risks of a HELOC: uncertainty. You won’t be making fixed payments or paying a fixed interest rate, and those things can make a home equity line a challenge to budget around.

How To Make Real Money On House Of Fun

If you get to the point where you’re having trouble making your HELOC payments, you can refinance the outstanding balance into a fixed-rate home equity loan, though you may need to do some credit score maintenance to be certain you get a fair rate.

Do a cash-out refinance

Though HELOC and home equity loan interest rates hard to find at under 4%, a cash-out refinance might be your best, most affordable option for tapping into the equity in your home.

And since today’s rates are almost certainly lower than they were when you first got your mortgage, refinancing is a great way to save money. Black Knight recently found that with mortgage rates as low as they are, 14.1 million homeowners could save up an average $287 a month by refinancing.

In a cash-out refi, you replace your current mortgage with a new, larger one — and take the difference in cash. The new loan pays off the existing mortgage and is then paid off in monthly installments.

Lenders generally allow you to borrow 70% to 80% of your home's value in a refi. If your home is worth $400,000 and your lender approves an 80% cash-out refinance, you'd receive as much as $320,000. If you still owe $200,000 on your first mortgage, you’d pay that off and have $120,000 in tax-free cash to play with.

Closing costs on a cash-out refi are often more than you'd be required to pay on a home equity loan, but the cheaper interest rates are hard to turn down.

No matter how you choose to access your equity, talk with a financial adviser to make sure it's a wise move for you. Whether it’s a refi, a HELOC or home equity loan, your home will be your collateral. If you fall behind on your payments, you could wind up losing the house — and all your equity will disappear.

Other ways to unlock some extra cash

Homeownership can be a constant financial grind. From the mortgage to the taxes to the maintenance costs, rarely a day goes by without some major expense occupying at least a small chunk of your cranial real estate.

If your home sweet home is a bitter pill for your budget, you have several ways to boost your finances.

• Reduce your insurance costs. If it’s time to buy or renew your homeowners insurance, getting quotes from multiple insurers can help you score the best deal and avoid overpaying. Comparison shopping also can do wonders when you’re trying to save money on car insurance.

• Wipe out high-interest debt. If you’ve been using credit cards to cover the extra costs of being a homeowner, those high interest rates can be a real drag. Consider rolling all of your debts into a single, lower-interest debt consolidation loan to erase your debts more quickly and affordably.

• Generate more income — in the stock market. You don’t need the proceeds of a hefty cash-out refi to get in on today’s stock market fun. A popular app helps you invest in a diversified portfolio using little more than 'spare change' from your everyday purchases.

House of Fun is a casual casino game from Playtika, and you can currently download it for your iOS or Android device. The game comes with more than 180 free casino slot machines, with new games being added with every new, (ideally) weekly update, and each of these machines have different rules and features, giving you various ways to win some virtual money. There are progressive jackpots, raffles, special challenges, and a lot more twists to the conventional slot machine experience, and as you level up in the game, you’ll unlock more machines, more game features, and, in theory, have more fun in this mobile version of your average Las Vegas casino.

Now you may think that there’s nothing to learn in a game where you’re pretty much relying on the vagaries of chance, with no actual skill involved. But the goal of these games is to win as much in-game currency as possible, and that’s what we’re here to help you with, as we present to you a list of House of Fun tips and tricks. Again, this may be a casual game that doesn’t involve skill, but that doesn’t mean there’s a thing or two you can’t learn about boosting your earnings!

1. This Is A Game Of Chance

This is probably so obvious that we need not mention it, but we’re going to mention it anyway. House of Fun is, well, a slot machine game, and that means there’s nothing much you need to learn about this game. Just keep on spinning and spinning the slot machine as you earn more money and level up, and unlock new machines as you reach certain milestone levels. Easy-peasy.

Yes, it’s true that each of the different machines have different mechanics, i.e. different things that need to take place in order for you to win some money, but other than that, this is a game of chance, and not a game of skill. And no, there’s no real money involved here, unless, of course, you choose to spend some dough on some in-game coin packages.

2. Always Go For The Maximum Total Bet, Unless You’re Running Low

It might sound like we’re encouraging high-rolling, but there’s a reason why you should be betting the maximum amount more often than not. Though it would stand to reason that you can earn more money by betting more coins, the main reason why you want to do this is so you can level up faster in the game. Bigger bets means that the bar on the upper right corner of your screen will fill up faster — the percentage you see there shows you how far you have to go before making it to the next level.

Betting higher will also allow you to fill up the counter on the upper middle portion of your screen in the 3 Tigers game, for instance — that counter shows you how much jackpot money you can win if you reach that slot machine’s milestone, which is 20 instances of three tigers of different colors showing up anywhere on the three reels of the slot machine. (On the machine’s intro, the jackpot counter shows $1,000,000 — don’t be mislead by that, as that’s simply the maximum amount of jackpot money you can win once you’ve reached a certain point in the game!)

3. Reaching Level 4 Unlocks Two New Machines

In the early goings, you’ll only be allowed to play the 3 Tigers machine, but once you reach level 4, you’ll unlock the Kitty Gems and Frankenstein Rising slot machines. Unlike in 3 Tigers, there’s no counter that shows you your winnings, should you reach the milestone 20 instances of three different-colored tigers.

Instead, you get the It’s Alive bonus in Frankenstein Rising, which is triggered when the bar on the upper right fills up with gems; this allows you to increase your winnings exponentially, so you might want to keep on playing until you’ve filled up that bar at least once. (You could always stop, though, if you’re running low on in-game money.) Kitty Gems appears to be a more no-frills machine, as the key feature is that the gems on the slot machine act as a wild card, replacing any symbol except the Bonus.

Different machines, different mechanics — we suggest that you play as many of them as possible, as that should prevent you from getting burned out with any one machine, while getting to try out each of the machines’ unique features.

4. Never Turn Down A Free Spin

Free spins can be triggered in this game in a number of ways, usually through certain events, such as getting three Scatters with the Pagoda piece on reels 1, 2, and 3 in 3 Tigers. You should never pass up a chance to get free spins in House of Fun, as that essentially gives you a chance to earn more money without spending a single cent of your virtual currency!

As the free spin mini-games come with special rules that make it easier for you to earn, you could potentially recoup some sizable losses, so it would also be a good idea to go for the most free spins available if given the choice.

5. How To Earn Coins Without Playing The Slots

Want to earn some bonus coins without paying a single cent? Simply connect your game to Facebook — you’ll find this option on the bottom left of the main screen, and you can simply tap on the Facebook icon to connect your game and redeem your free cash. You can also tap on the button on the bottom center of the screen every three hours or so, up to four times a day — you won’t earn much for this in most cases, but that’s another good way to increase your balance and have more money to play the various slot machines in the game. Opening chests in the Legends menu could also earn you some free coins to add to your total.

If you’ve just downloaded the game, you can also click on the New Players Sale button in the lobby — you’ll want to be careful if you’re an iPhone user simply wanting to preview this option, as it’s essentially one-click payment via Touch ID! But it’s a pretty good deal, in any case — for just one dollar or its equivalent in local currency, you’ll get 5,000 free coins as a special for newbies.

6. Rank Up Your Hall Of Fame Legends

See that button on the upper left side of the Lobby menu that says “Legends”? That’s where you can level up your Hall of Fame Legends — these are mythical characters, or the game’s versions of a pirate, Puss in Boots, Cleopatra, Poseidon, etc., with varying rarities, the rarer the character, the higher the jackpot. By opening the chests that you win while playing the slots, you’ll be able to rank up these characters until they reach Rank 5.

How To Make Real Money On House Of Fun Slots

Once that happens, you’ll earn upwards of $100,000 in virtual currency, and that, quite obviously, is a lot of money which you can use as you continue unlocking new machines and enjoying the casual experience of casino gaming without having to bet any actual money.

How To Make Real Money On House Of Fun Casino

And that’s all you need to know to skyrocket your earnings in House of Fun! Have you discovered any other tips or tricks for the game? If so, feel free to share them with us in the comment section below!