Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Why will the bank only loan us 80% of the value of our fully paid for home?
Banks and lenders have become a bit more conservative since the housing crisis. 80% is a typical limit. The reason is to minimize the lender's risk if declining property values would put the borrower upside-down on the loan. http://www.bankrate.com/finance/home-equity/how-much-equity-can-you-cash-out-of-home.aspx