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Home Equity Explained: Why Many Homeowners Are Considering Selling Right Now

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One of the most common questions we hear at American Mortgage Solutions is: “Is it even a good time to sell right now?”

For many homeowners, the answer isn’t driven by headlines or interest rates, it comes down to something far more personal: home equity. If you’ve owned your home for a while, there’s a good chance you’ve built more equity than you realize. And that equity can significantly change what’s possible when it comes to selling, buying your next home, or simply understanding your options.

The Quiet Wealth You’ve Been Building

Here’s how we explain it to homeowners:

  • Every mortgage payment reduces your loan balance
  • Home values tend to rise over time
  • Together, those two factors quietly build equity year after year

What Home Equity Can Look Like in Real Numbers

Recent data highlights just how much equity many homeowners have accumulated:

  • Bought in the mid-1990s: often $400,000+ in equity
  • Bought in the early 2000s: frequently over $330,000
  • Bought around 2015: close to $285,000 in about 10 years

Your actual equity depends on your purchase price, mortgage balance, improvements, and market conditions—but the takeaway is clear:

Many homeowners are sitting on significant equity without fully realizing it.

Why Home Equity Matters If You’re Thinking About Selling

This is where equity becomes a real advantage.

Home equity can allow you to:

  • Put more down on your next home
  • Lower your monthly payment by financing less
  • Make stronger, more competitive offers
  • Increase flexibility, even with today’s mortgage rates

And even if you’re not sure you want to sell, knowing your equity gives you clarity and control. It turns uncertainty into informed decision-making.

Bottom Line:

You don’t have to sell to benefit from knowing your home’s value—but you do need accurate information to make smart choices.

At American Mortgage Solutions, we help homeowners understand their home equity with clear, personalized reviews—no pressure, no obligation, just real numbers. If you’d like a custom equity breakdown and a conversation about what your options really look like, reach out anytime. We’re happy to walk through it with you. Feel free to give us a call at (239) 766-8344 or 502-327-9770.

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Copyright © 2023 | American Mortgage Solutions | NMLS: 1364/MB73346​

Licensed in: FL, KY, TN, IN, CO, TX

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These materials are not from HUD, FHA, the USDA, or the VA. These materials were not approved by any government agency. They are independent of any government agency. We are not in any way affiliated with any organization listed or referenced within this website, including HUD/FHA/USDA/VA. The inclusion of various education, information, web links, or materials are not an endorsement of the Sender or any of its employees or business partners. For information directly from HUD/FHA, visit https://www.hud.gov/guidance For information directly from the VA, visit http://www.benefits.va.gov/HOMELOANS/ For information directly from the USDA, visit http://www.usda.gov/wps/portal/usda/usdahome?navid=GRANTS_LOANS