MARKET ANALYSIS
Knowing your home’s value isn’t just helpful—it’s powerful. Whether you’re planning to sell, refinance, or simply stay informed, understanding your equity position helps you make smart, confident decisions.
Unlike automated tools that provide a generic estimate based on limited public data, I take a more thoughtful, expert-driven approach.
When you submit your information, I personally review your property details, analyze recent sales, and assess current market conditions to prepare a customized estimate that reflects the true value of your home.
If you're open to it, I’ll follow up to schedule a quick, no-pressure walkthrough. This allows me to give you a more accurate opinion of value based on what truly matters—your home’s unique features and how it fits into today’s market.
You’ll receive a clear, honest, and personalized valuation—prepared by a local expert, not a formula. There’s no pressure and no obligation—just real insight you can use to plan your next step with confidence.
A home valuation is an expert assessment of a property's current market value. It plays a critical role in real estate decisions—whether you're preparing to sell, refinancing, or simply tracking your equity.
While valuations are commonly used during mortgage transactions to protect a lender’s investment, they also serve as a valuable planning tool for homeowners. A well-informed valuation helps ensure you're not underpricing or overleveraging your home, and gives you the confidence to make smart, strategic decisions.
At its best, a home valuation reflects more than just numbers—it considers real-time market trends, recent comparable sales, and the unique features of your property.
For a valuation that goes beyond the algorithm, submit your details and I’ll personally prepare a custom estimate—no pressure, just real insight you can count on.
The value of your home is determined by a blend of factors—some objective, some more nuanced.
Location, size, age, condition, and recent upgrades all play a role, as do recent sales of comparable properties nearby. But a truly accurate valuation also considers real-time market dynamics: inventory levels, interest rates, buyer demand, and current competition.
These aren’t static data points—they’re moving targets that shift with the market week by week. That’s why a meaningful valuation requires more than a formula. It takes local expertise, experience, and context to understand what buyers are willing to pay right now for a property like yours.
When I evaluate your home, I take all of these elements into account—combining data with insight to give you a clear, informed picture of your home's current market value.
Online home valuations—also known as Automated Valuation Models (AVMs)—can offer a helpful starting point. They pull public data and recent sales to generate a general estimate of value.
But while convenient, AVMs often miss the details that matter most.
They typically don't account for recent renovations, design upgrades, lot orientation, view lines, architectural style, or the overall presentation of the home. They also can’t factor in buyer perception, local competition, or real-time market sentiment—all of which can significantly influence what your home is actually worth today.
That’s why online estimates should be viewed as broad ballpark figures—not pricing strategies.
For a valuation you can rely on, I offer a custom, personally reviewed estimate that considers both the data and the details. If you’re open to it, we can schedule a no-pressure walkthrough to take it a step further.
Find Your Dream Home
Two Accurate Ways to Perform Home Valuations.
MARKET ANALYSIS
A Comparative Market Analysis (CMA) is a tool used by real estate agents to value a home. It evaluates similar homes that have recently sold in the same area. Agents find comparable sales and use them to conduct a sales comparison. In most cases, an agent will find three homes that have recently sold and are as similar to and located as close to the home being valued as possible. Each one is then analyzed to pinpoint differences between it and the home being valued. Once these differences are priced out, the price of each comp is adjusted to see what it would cost if it was identical to the home being valued were it to be sold in the current market.
APPRAISALS
An appraisal is an unbiased valuation of a home based on a professional’s opinion. They are usually what mortgage companies use for home purchases and refinances. A lender usually orders a home appraisal and the cost of the appraisal, sometimes up to $500, is paid by the homeowner. An appraiser does a complete visual inspection of the interior and exterior of the home as well as taking into consideration recent sales of similar properties and market trends. The appraiser then compiles a detailed report on the home, including an exterior building sketch, a street map showing the home and any comparable sales, photos of the home and street, an explanation of how the square footage was calculated, and any other relevant information.
Situations When a Home Valuation May Be Necessary.
REFINANCING
Lenders base the amount of their loans on the value of your property and usually allow you to borrow a maximum of 75% to 96.5% against your property. Knowing what your home is worth allows lenders to calculate your equity in the home. The more equity you have, the better terms you will receive on your refinance.
HOME IMPROVEMENTS
If you’re doing home improvement projects to increase the resale value, you want to make sure you’re not pricing it out of the market. If your home is already priced on the high-end for your neighborhood, making too many improvements could make it more difficult to sell. When you get a valuation, you can see how your home compares with others in the neighborhood and let this guide your home improvement decisions.
QUALIFYING FOR CREDIT
If you want to borrow cash against your home, getting a Home Equity Line of Credit (HELOC) could be a good option. To qualify, you must have a certain level of equity in your home. Most lenders require at least 20%. Getting a home valuation will help you determine if you qualify and will be used by the lender to make a decision on your loan.
PLANNING
Though it’s not a necessity, simply knowing the value of your home is good information to have. It will help you plan for the future and deal with unforeseen circumstances when you might be in a position that requires extra money or a quick relocation. Knowing how much equity you have in your home and how much you may be able to borrow against it or sell it for will help you respond to any financial curveballs that life throws at you.