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When it comes to borrowing against home equity for purposes like remodeling, homeowners can typically access a portion of their equity depending on their lender's policies and the available equity in their home. The correct answer states that a married couple can borrow 71% of their homeowner's equity for this purpose.

Home equity refers to the difference between the current market value of a home and the outstanding balance on the mortgage. Lenders usually allow homeowners to borrow a percentage of this equity, often up to a limit that ranges from 70% to 90%, depending on various factors including creditworthiness and other financial ratios.

In this scenario, borrowing 71% of their homeowner's equity is within typical lending practices, making it feasible for the couple to remodel their kitchen. The percentage is sufficient to cover various remodeling costs, thus explaining why this option is valid.

The other options present either excessively high percentages, which could exceed lending restrictions, or claim that the couple cannot borrow against their equity at all, which disregards common lending policies that allow for equity borrowing. Thus, the ability to borrow this specified percentage is practical and aligns well with banking standards for home equity loans.