Homeowner Equity: The Quiet Superpower in Today’s Market (And Why It Matters More Than Ever)
- Neil Caron
- 5 days ago
- 2 min read
Even if home prices drop—homeowners are still sitting pretty. Here’s why equity matters now more than ever.
The U.S. housing market has been through its fair share of ups and downs—but one thing is keeping homeowners on solid ground: equity.
According to data from BatchService, even if home prices dropped by 10%, most homeowners—especially those who bought before mid-2022—would still have significant equity cushions. That’s because home values soared during the Pandemic Housing Boom, rising an eye-popping 43% from March 2020 to June 2022.
🟣 What’s the equity buffer?It’s the amount of home value you “own” compared to what you owe on your mortgage. Nationally, BatchService pegs the average loan-to-value ratio (LTV) at 62.2%. That means homeowners, on average, have nearly 40% equity in their properties.
🐷 RSL Piggy Points
Older mortgages = more equity. Most homeowners with loans from 2021 or earlier have built serious equity.
Newer buyers have less buffer. Those who purchased from mid-2022 to now, especially with higher interest rates, are more exposed.
Equity builds stability. A strong equity position makes it easier to refinance, remodel, or ride out a market dip.
RSL Perspective:
“Equity is the safety net homeowners often don’t realize they have,” says Neil Caron, Area Manager at CMG Mortgage. “It’s not just about value—it’s about flexibility, financial options, and long-term wealth.
Whether you're looking to renovate, tap into a HELOC, or eventually sell, equity gives you power.”
At ReadySetLoan, we educate homeowners about how to use equity wisely—especially in a shifting market.
🏡 What It Means for Connecticut Homeowners
Connecticut markets have largely avoided the dramatic price drops seen in other regions, which means our local equity picture remains strong. With a tighter housing supply in the Northeast and less new construction pressure, homeowners here are in a solid position.
Want to know your home’s equity outlook? Reach out to ReadySetLoan. We'll walk you through the numbers, help you understand your options, and show you how equity can be part of your strategy—whether you're buying, refinancing, or just staying put.
Why This Matters in 2025
As mortgage rates fluctuate and affordability remains a top concern, equity will be a deciding factor in how homeowners respond. Those with strong equity are more likely to:
Avoid foreclosure risks
Access renovation funding
Refinance when rates improve
Weather market volatility
Homeowner equity isn’t just a number. It’s a buffer, a strategy, and a future-proofing tool.
📣 Don't guess—know where you stand.Visit ReadySetLoan to get your home equity check-up and unlock insights into your property’s potential.
Whether you're planning to stay, sell, or invest—we’re your guide to smarter homeownership.
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