Are you thinking of refinancing?
You may have gone to the bank to talk about refinancing and received a bank appraisal of your house from your bank contact. Don't rely on this number alone as you make your decision. An important step in this process is to have your realtor also advise you on a true market value so there is no significant shortfall in what you owe and what your house is worth.
You need to hear the truth rather than what you want to hear! Your house is not a bank account. Market factors determine what you can get when your house sells so don't borrow too much.
Realtors are experts in real estate and bankers are experts in banking. Don't confuse the two and avoid making the mistake of relying on your banker for real estate advice!