Home value
What is your home actually worth today?
Online estimates are guesses built from public records. A real number comes from comparable sales on your street, in your condition, this month. I'll get you that — and show you what your equity could do.
Why it matters
Your equity is probably doing nothing
Most homeowners have no current idea what they're sitting on. That's fine until it costs you — because equity is what pays for the renovation, wipes out the high-interest debt, funds the next property, or removes your mortgage insurance entirely.
Thinking of selling
Know your realistic price before you list, and what you'd walk away with after payoff and costs.
Thinking of refinancing
Your value sets your loan-to-value, which sets your rate and whether mortgage insurance can come off.
Thinking of cash-out
See how much you could access for renovations, debt consolidation, or a second property.
Just want to know
No agenda. Plenty of people request this every year simply to keep track of their largest asset.
Request your home value report
Free, no obligation, and no one will hound you to list.
Valuation questions
How value gets decided
Why is my online estimate different from yours?
Automated estimates work off public records and broad neighbourhood averages. They can't see that you replaced the roof, or that the comparable two streets over backs onto a main road. A human comparison catches what the algorithm can't.
Is this the same as an appraisal?
No. An appraisal is a formal opinion of value from a licensed appraiser, ordered by the lender during a loan. This report is a planning tool — useful, free, and not a substitute for the appraisal that happens later.
Will I get pressured to sell or refinance?
No. Plenty of people request this and do nothing for years. If the numbers say staying put is your best move, I'll tell you that.
How much equity do I need to drop mortgage insurance?
On a conventional loan, generally 20%. If your home has appreciated enough to get you there, refinancing can remove that cost from your payment permanently — which is exactly the kind of thing this report surfaces.