Your Home’s Equity Could Fund What’s Next! 💡
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...