🏡 Your House Is Sitting on a Pile of Cash (Don’t Worry, It’s Legal)

How Homeowners Are Tapping Into Equity Without Selling (and What That Means for You)

Imagine walking into your kitchen and realizing there's $200,000 hidden in the walls—not in a “tear-down-the-drywall” way, but in cold, hard home equity. Well, if you're a homeowner in Colorado, that might not be too far from reality.

According to ICE Mortgage Technology, U.S. homeowners pulled $25 billion in equity last quarter—the highest Q1 total since 2008.

Why the sudden surge?

👉 HELOC (Home Equity Line of Credit) rates dropped by 2.5 percentage points.
👉 Tappable equity nationwide has hit a record $11.5 trillion.
👉 The average mortgage holder is now sitting on over $200,000 in accessible equity.

That’s not Monopoly money. That’s real purchasing power—and homeowners are using it.

💡 Here’s What We’re Seeing on the Ground in Colorado

Some are:

• Renovating their kitchens and bathrooms instead of relisting.

• Paying off high-interest credit cards or student loans.

• Helping adult kids buy their first homes (and maybe finally get out of the basement).

• Buying vacation properties or second homes.

• Downsizing without needing to take on today’s higher mortgage rates.

And yes—some are cashing out and trading up.

💬 So What Does This Mean for You?

If you’re a homeowner wondering, “Should I sell? Refi? Renovate? Sit tight?” — you’re not alone. The truth is: you have options. And some of those options might surprise you.

At Jones Team Colorado, we help homeowners every week run the numbers, explore their current equity position, and understand what moves make sense—today and down the line.

✅ Want to Know How Much Equity You’re Sitting On?

We’ll show you:

• How much equity you’ve built

• What you can do with it (even if you’re not ready to sell)

• And what’s happening with homes like yours in your neighborhood

📅 Schedule a no-pressure call here:
👉 Schedule an 8-minute call

Or shoot us a message and we’ll walk you through it.

🧠 Final Thought:

You don’t need to sell your home to leverage it. But knowing what you can do is half the battle.

Let’s run the numbers and see what your home is really worth in today’s market. Because sitting on equity is fine—but putting it to work? That’s how smart moves get made.

Tim & Sandy Jones
Jones Team Colorado | eXp Realty
📞 (720) 314-8462
📧 Tim@JonesTeamColorado.com
🔗 jonesteamcolorado.com