At Best Option Mortgage (DBA ML Mortgage Corp., NMLS #362312), we’re often asked: “Is now the right time to sell or move up?” The answer often lies not just in market timing, but in one of the most powerful assets you may already have—your home equity.
Even amid headlines about price declines or slower growth, the underlying reality is this: homeowners are still significantly ahead when it comes to equity. That gives you strategic choices you may not realize you have.
In this post we’ll explain why your equity position remains strong, what it means for your next move, and how to leverage that strength—whether you’re staying put, downsizing, or upgrading. We’re also referencing insights from Keeping Current Matters to help illustrate just how far ahead homeowners still are in today’s market.
Why Your Home Equity Still Puts You Way Ahead
Prices May Be Slowing, But Equity Gains Continue
It’s easy to see a headline that home prices are cooling and wonder if your equity is hurting. The truth is simpler: yes, price‑growth has moderated, but because equity builds over years, you’re still likely ahead by a large margin. According to recent data, nearly every U.S. state has seen substantial home‑price gains over the last five years. That means most homeowners have significantly more equity than they realize.
Want to see how equity and timing affect selling decisions? Check out our post on 2026 Housing Market Outlook: What Buyers & Sellers Need to Know.
Why Small Price Drops Don’t Erase Years of Growth
Even in markets where prices have dipped slightly—about 4% in some areas—that decline is minor compared to the 30–40% appreciation many homeowners gained over the past several years. (KCM Source) So your equity is still intact—and in many cases, thriving.
Explore what these market changes mean in our article: Navigating the Tale of Two Housing Markets.
Equity = Freedom
Your equity is more than a number—it’s financial flexibility. Whether you're upgrading, downsizing, or refinancing, this asset gives you power to choose your next move.
What This Means for You
If You’re Thinking of Selling or Moving Up
Your equity gives you flexibility. You may be able to offset the impact of higher mortgage rates by applying your equity toward a larger down payment. Our team can help you crunch the numbers.
For more on timing your next move, read: Housing Market Forecasts for the Second Half of the Year.
If You’re Staying Put
That doesn’t mean your equity goes to waste. You can leverage it for home renovations, debt consolidation, or simply enjoy peace of mind. And when the right time comes to sell—you’ll be in a strong position.
Use Equity Strategically, Not Emotionally
Don’t act on headlines—act on data and your personal goals. At Best Option Mortgage, we help homeowners explore the best use of their equity based on their long-term plans.
How We Can Help You Leverage Your Equity
Estimate your home’s current value and equity
Compare staying, renovating, or selling scenarios
Evaluate refinance or HELOC options
Align with local agents who understand your market
Position you for a smart, strategic next move
FAQ: Homeowners Home Equity Still Way Ahead
Why is my home equity still strong if home prices are slowing?
Because equity builds over time, not overnight. Price growth has simply stabilized—not reversed. According to Keeping Current Matters, the long-term appreciation still far outweighs short-term corrections.
Can I use my home equity to move up in 2026?
Absolutely. Equity can give you the financial flexibility to move up without taking on a heavy new mortgage burden. Read more in our Homebuyer Search Trends.
Should I stay in my current home if I have high equity?
It depends. Your equity gives you options. If your current home fits your lifestyle and financial goals, it might make sense to stay and reinvest in it. Our First-Time Homebuyer Guide 2025–2026 can also help you think through your next steps—even as a current owner.
What if I want to renovate instead of move?
Strong equity can fund improvements that boost comfort and long-term value. Our mortgage advisors can help you explore cash-out refinance options or other financing strategies.
How can I find out how much equity I have?
Start with an updated market analysis. Then subtract what you still owe on your mortgage. Want help? Contact us here and we’ll walk you through it—no pressure, just insight.
Final Thoughts
Even in a cooler market, homeowners are still way ahead thanks to years of appreciation and strong equity positions. That means you’re not stuck—you’re in control.
At Best Option Mortgage, we help you turn your home’s equity into strategy. Whether that means a move, a renovation, or just a better understanding of your options, we’re here to help you maximize what you’ve built.
Curious how much equity you have—and how to make the most of it? Contact Best Option Mortgage for a no-obligation review. You’re further ahead than you think. Let’s use it.
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Best Option Mortgage is a DBA of ML Mortgage Corp. ML Mortgage Corp. is a state-licensed mortgage lender, NMLS ID #362312, licensed by the CA Department of Financial Protection and Innovation under the Finance Lenders Law, License #60DBO69831. For other states, visit www.mlmortgage.net. To verify licenses, visit www.nmlsconsumeraccess.org. All loans are subject to credit approval and acceptable collateral. Additional terms and conditions apply. Programs, rates, terms, and conditions may change without notice. Not all programs are available in all states. There is no guarantee that all borrowers will qualify. Restrictions may apply. This is not a commitment to lend. © 2025 ML Mortgage Corp. All rights reserved.