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Home Value Estimator — Free AVM, Equity Tracker & Rate Alerts
Get a free home value estimate, then a monthly AVM refresh, live equity snapshot, and weekly rate-tracker email — all inside your Simply Approved client portal. AVM is not an appraisal.
- ✓Enroll once and we open a private client portal with your address, home photo, assigned loan officer, estimated balance, and monthly AVM.
- ✓Watch your equity build every month and see illustrative HELOC, cash-out, or second-mortgage options tied to that equity.
- ✓Includes a weekly rate-tracker email — Freddie Mac PMMS movement plus HUD/FHFA program updates. Unsubscribe anytime.
- ✓AVMs typically land within a 5–10% margin of appraised value in active markets. An appraisal is still required for underwriting.
Written by
Simply Approved Mortgages Team
Licensed Loan Officers · NMLS# 2620881
Get your free home value report
Enter your address and we run an automated valuation (AVM) built from recent comparable sales and public records, then show your estimated value range, public-record property facts, estimated rental value, and your estimated equity position. A Simply Approved Mortgages Loan Officer reviews it with you if you want to talk through options. AVM figures are estimates, not an appraisal.
Estimated value + range
Automated valuation with a low-to-high range and the number of comparable sales behind it.
Property facts on record
Beds, baths, square footage, lot size, year built, and last recorded sale.
Your equity position
Add your mortgage balance and we show estimated equity and loan-to-value.
What the equity could do
An illustrative 80% loan-to-value cash-out figure to frame a conversation. Not a quote or offer.
Track your home value, equity, and mortgage rates — free, monthly, all in one portal
Enroll once and we open a private client portal for you. You will see each property you own, your assigned Simply Approved Mortgages Loan Officer, an estimated mortgage balance, a fresh AVM every month, current equity, a payoff-date projection, and illustrative HELOC or cash-out options tied to that equity. We also send a short weekly rate-tracker email. No purchase required. Unsubscribe anytime.
Your home, in one dashboard
Property address, a photo of your home, and your assigned Simply Approved Mortgages Loan Officer — all in one place.
Fresh AVM every month
Your estimated home value refreshes monthly using an automated valuation model so you can watch equity build in near real time. AVM is not an appraisal.
Mortgage health at a glance
Estimated current balance, remaining term, payoff date projection, and available equity — updated as your AVM and payments change.
What your equity can do
See illustrative HELOC, cash-out refinance, and second-mortgage options tied to your current equity — with a Loan Officer to explain trade-offs.
Weekly rate tracker
Freddie Mac PMMS movement, HUD/FHFA program updates, and buyer-friendly explainers — one short email per week. Unsubscribe anytime.
A real loan officer, not a chatbot
When you want a real number, your assigned Simply Approved Mortgages Loan Officer (NMLS# 2620881) picks up the file — no re-explaining your situation.
Why start with a home value estimate
Before a cash-out refinance, HELOC, second mortgage, or listing your home, you need a working estimate of your property value and current loan-to-value (LTV). That single number decides which programs you qualify for, how much you can borrow, and whether it is worth ordering a full appraisal. Our free Home Value & Rate Tracker gives you that estimate up front — and then refreshes it every month inside your client portal so you can watch equity build over time.
AVM vs. appraisal vs. broker price opinion
An AVM (automated valuation model) is a data-driven estimate that blends recent comparable sales, tax records, and market indices. A broker price opinion (BPO) is a licensed real-estate agent's opinion of value. An appraisal is a USPAP-compliant valuation completed by a licensed appraiser and is what a lender relies on for underwriting. Your portal shows the AVM; your Loan Estimate uses the appraisal.
The AVM and any figures in the portal are estimates for planning only. They are not an appraisal, a rate lock, a loan offer, or a commitment to lend.
How the tracker actually helps you
Most homeowners only think about their mortgage twice — the day they close and the day rates hit the news. The tracker keeps a live snapshot in front of you: your estimated balance, remaining term, current AVM, current equity, and a payoff-date projection. When rates move enough that a refinance actually makes sense, you will see it in the same place you check your value. No spreadsheets, no guessing.
What you can do with equity
Once your portal shows real equity, we surface illustrative options tied to that equity: a HELOC for a revolving credit line, a cash-out refinance to consolidate higher-rate debt or fund a project, or a second mortgage for a fixed lump sum without touching your first-mortgage rate. Each option is a starting point — a Simply Approved Mortgages Loan Officer walks through the trade-offs before anything is locked or paid for.
Home value estimator & equity tracker — FAQs
Answers to the most common home value estimator & equity tracker questions, written by licensed loan officers.
Ready to take the next step?
Pick your loan type and complete a short, tailored request on our secure application page. Your Simply Approved Mortgages Loan Officer follows up within one business day.
No obligation. Soft-pull options may be available.*
Trusted government resources
These independent government resources can help you research mortgage programs, rates, and your rights before you apply.
CFPB
CFPB — What is an appraisal?
FHFA
FHFA — House Price Index
Federal Reserve
Federal Reserve — Interagency Appraisal Guidelines
Simply Approved Mortgages is not affiliated with HUD, the CFPB, the FTC, the VA, or any other government agency. Links are provided for your independent verification.
Explore the full guide
Keep reading — the rest of the buying playbook
Each of these is a deep-dive on one piece of the purchase mortgage process. Bookmark whichever you need next.
Guide
Refinancing process
What happens after you know your equity.
Read the guide →Guide
Cash-out refinance
Turn equity into cash at closing.
Read the guide →Guide
HELOC
Revolving credit line against your equity.
Read the guide →Guide
Second mortgage
Fixed-rate lump sum without touching your first mortgage.
Read the guide →Guide
Reverse mortgage
For homeowners 62+ tapping equity without a monthly payment.
Read the guide →Guide
Mortgage pre-approval
When you are ready to make a real offer.
Read the guide →Simplify Your Mortgage Journey with These Resources
Talk To A Loan Officer
A Simply Approved Mortgages Loan Officer will personally connect with you to walk through your options.
How this page connects
Where this fits in the refinancing and equity library
This page sits inside our Refinancing and equity coverage.
What most readers open next
- The refinance process guideBecause what happens between application and closing.
- Cash-out refinancingBecause the option when you need funds rather than a lower payment.
- HELOC versus cash-out comparisonBecause the two equity paths behave very differently.
- The break-even calculatorBecause to see how long it takes to recover closing costs.
Ask SAM anything about home value and equity
SAM is the Simply Approved Mortgages AI assistant. It answers general questions using the reviewed guides published on this site and links you to the primary government source. It is educational only — it does not quote a rate, payment, APR, approval or commitment to lend. A Simply Approved Mortgages Loan Officer reviews every scenario before any terms are confirmed.
Hi, I'm SAM — an AI assistant for Simply Approved Mortgages. I can explain loan programs, closing costs, DTI, down payments and which calculator or guide to use. I'm not a licensed loan officer, and nothing here is a quote, approval or commitment to lend.
Ask Sam AI provides general educational information only. It is an automated assistant, may be incomplete or out of date, and does not provide legal, tax or financial advice. Nothing it produces is a rate quote, APR, pre-approval, offer or commitment to lend. Never share a Social Security number, ITIN, date of birth, account number or password in chat. Simply Approved Mortgages LLC (NMLS #2620881) arranges residential mortgage loans in Florida and Colorado. Eligibility, terms, conditions and availability vary by borrower, property, lender, loan program and state, and all loans are subject to lender underwriting and approval. Equal Housing Opportunity.
Follow our reporting
Add Simply Approved Mortgages as a preferred source on Google
We update our home value and equity guidance as HUD, FHFA, VA, USDA and CFPB publish new figures. If you want our updates to show up more often when you search Google, you can mark us as a preferred source from the Top Stories carousel:
- 1Sign in to your Google account and search a mortgage topic such as "mortgage rates".
- 2Select the icon next to "Top stories" to open the preferred sources panel.
- 3Search for Simply Approved Mortgages, tick the box, and save.
Preferred sources is a Google Search feature controlled entirely by you and by Google. Simply Approved Mortgages LLC (NMLS #2620881) does not control search results and makes no representation about how or whether our content will appear. Educational content only — not a quote, lock, offer, or commitment to lend.
Purchase market update
What buyers should know this month
30-Yr Fixed · national avg
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15-Yr Fixed · national avg
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2026 buying power
Conforming baseline: $832,750
FHA floor / ceiling: $541,287 – $1,249,125
Start My Approval
Complete this short request and a Simply Approved Mortgages Loan Officer will personally review your scenario. The form only asks what your program actually needs. Submitting it is not an application for credit and is not a commitment to lend.
What are you looking to do?
Pick one — the form adapts.Pick a loan type
Programs for buying a home.Conventional loan — 3–20% down · 620+ FICO
Tell us about your scenario
The form below is tailored to Conventional loan — only the questions and documents your program needs.
Simply Approved Mortgages LLC is licensed to arrange residential mortgage loans in Florida and Colorado only. We ask first so we never collect a mortgage inquiry we are not licensed to act on.
Purchase price and down payment help us size the conforming loan.
A range is enough here — no credit report is pulled and your credit is not affected.
Illustrative estimate only — not a quote, rate lock, offer of credit, or commitment to lend.
Submitting this form is not an application for credit and is not a commitment to lend. No credit report is pulled at this step.
Put your estimated value to work
A Simply Approved Mortgages Loan Officer reviews available equity options and follows up with estimated figures. Illustrative only until you receive a Loan Estimate.
Equal Housing OpportunityMortgage Broker — Not a LenderNMLS ID# 2620881NMLS Consumer AccessFlorida Mortgage Broker License #MBR7685Colorado Mortgage Company RegistrationLicensing & Disclosures
Simply Approved Mortgages LLC | NMLS #2620881
Florida Branch Office (Miami, FL) | Branch NMLS #2688012
Florida Mortgage Broker License #MBR7685 | Colorado Mortgage Company Registration
Business Phone: (877) 813-7219
Equal Housing Opportunity
Broker identification. Simply Approved Mortgages LLC is a mortgage broker and is not a direct lender. We arrange residential mortgage loans with third-party wholesale lenders and do not make the lender's final credit decision or fund the loan. We arrange residential mortgage loans in Florida and Colorado. Business-purpose mortgage products may be arranged in additional states only where permitted by applicable law and pursuant to applicable licensing requirements or exemptions.
Credit and program terms. All loans are subject to lender credit approval, underwriting, acceptable appraisal or valuation when required, title review, insurance, and supporting documentation. Eligibility, programs, rates, APRs, points, lender credits, fees, payments, terms, loan amounts, down-payment requirements, mortgage insurance, and availability may vary based on borrower, property, occupancy, credit profile, loan-to-value ratio, debt-to-income ratio, lender, loan program, and state and may change without notice. Not all applicants, properties, products, or programs will qualify or be available in every state. Nothing on this site constitutes a loan approval, rate lock, offer, commitment to lend, guarantee of approval, or guarantee of terms or closing.
Rates, payments and calculators. Rates, APRs, payments, down payments, loan amounts, home values, estimated equity, savings, affordability estimates, closing costs, and other calculator or scenario results displayed on this site are estimates or illustrations unless expressly stated otherwise. Actual loan terms may differ. Taxes, homeowners insurance, mortgage insurance, association dues, lender charges, broker compensation, discount points, third-party charges, and other costs may apply. Advertised rates, payments, APRs, down payments, and other credit terms are subject to the assumptions and disclosures presented with the applicable advertisement. Applicable loan terms and disclosures will be provided as required for the particular transaction.
Mortgage products. FHA, VA, USDA, conventional, jumbo, non-QM, HELOC, reverse mortgage, down-payment-assistance, investment-property, DSCR, and other mortgage products referenced on this site are subject to their individual eligibility, underwriting, property, occupancy, and program requirements. Product availability varies by lender and jurisdiction. References to a mortgage product or program do not constitute a determination that a borrower or property qualifies.
Government-backed programs. Government-backed or government-insured mortgage programs referenced on this site may be subject to requirements established by the applicable government agency in addition to lender requirements. Government insurance or guaranties generally protect participating lenders against certain losses and do not constitute a guarantee of borrower approval.
Business-purpose products. DSCR, investment-property, and other business-purpose mortgage products referenced on this site are intended for qualifying business-purpose transactions. Business-purpose loans may be subject to different requirements and protections than consumer-purpose residential mortgage loans. Borrowers are responsible for accurately disclosing property occupancy and intended use.
Down payment assistance. Down payment or closing-cost assistance programs referenced on this site may be administered by governmental entities, housing finance agencies, nonprofit organizations, lenders, or other third parties. Program availability, funding, assistance amounts, eligibility requirements, repayment or forgiveness provisions, and other terms vary and may change or become unavailable without notice. Listing or referencing a program does not guarantee funding, eligibility, or mortgage approval.
Government affiliation. Simply Approved Mortgages LLC is not a government agency and is not affiliated with, acting on behalf of, sponsored by, or endorsed by HUD, FHA, VA, USDA, or any other federal, state, or local government agency. References to government agencies, programs, benefits, data, forms, or resources are provided for informational purposes and do not imply government sponsorship or endorsement of Simply Approved Mortgages LLC.
Fair lending. Equal Housing Opportunity. Simply Approved Mortgages LLC conducts business in accordance with applicable federal and state fair-housing and equal-credit-opportunity laws and does not discriminate on any prohibited basis.
No professional advice. Content on this site is educational and general in nature and is not legal, tax, accounting, financial, investment, estate-planning, or individualized government-benefits advice. Consumers should consult appropriate qualified professionals regarding their individual circumstances.
Third-party content. References or links to government agencies, lenders, assistance programs, products, services, or other third-party websites are provided for informational purposes or convenience. Simply Approved Mortgages LLC does not control and is not responsible for third-party content, availability, accuracy, or privacy practices.
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Simply Approved Mortgages LLC, 633 W 5th St, Ste 2600, Los Angeles, CA 90071 · 877-813-7219 · support@simplyapprovedmortgages.com. State licensing details available at the NMLS Consumer Access link above. © 2026 Simply Approved Mortgages LLC.