The Roselli Team - Your Real Estate Experts

  If you’ve owned your home for more than a few years, chances are you’re sitting on a significant amount of equity, and possibly wondering if now’s the time to downsize. According to a recent Realtor.com analysis , baby boomers—those born between 1946 and 1964—own an estimated $18 to $19 trillion worth of real estate. That’s nearly half of the housing wealth in the U.S. Whether your kids are out of the house, you're retiring, or just want less maintenance, selling your longtime home can unlock major financial and lifestyle opportunities. But it also comes with questions: Where will you go next? How do you maximize your return? What steps should you take before listing? Here’s a complete guide to help you move forward with clarity, confidence, and a plan that preserves your wealth. Step 1: Understand Your Equity Position You probably already know your home’s value has gone up. But do you know by how much ? Your equity is the difference between your home’s market value and what you...

  Right now, American homeowners are sitting on a record $11.5 trillion in tappable equity.  That’s equity you could access without selling your home, while keeping at least a 20% cushion in place. And, with interest rates on home equity lines of credit (HELOCs) falling, this may be the most affordable time in years to tap into your home’s value. But does it make sense to borrow now, or should you wait? Let’s break down the numbers, what this trend means for homeowners, and how to know if leveraging your equity is the right move for you. Record-Breaking Equity According to the June 2025 Mortgage Monitor by ICE Mortgage Technology: U.S. homeowners hold $17.6 trillion in total home equity $11.5 trillion of that is considered “tappable”—available for borrowing while maintaining 20% equity The average homeowner has about $212,000 in tappable equity 48 million mortgage holders now have access to this equity, an all-time high Despite all that equity, most homeowners haven’t touche...