Your Home Wealth Report · ClearEquity by Clear Home Loans

Great question — everyone wonders this

How accurate is your estimate?

Your number is a market estimate — built from recent nearby sales, your home's size and features, and how your area has appreciated. Think of it as a well-informed range, not a price tag:

Low—

Best estimate—

High—

📊 What moves it: nearby sales in the last 6 months, price per sqft on your street, seasonal demand.

🛠 What it can't see: your renovations, condition, and that view — the things a human catches.

Want your true number? A free CMA (comparative market analysis) from a local agent — arranged through your loan officer — pins it down using your home's actual condition and the freshest comps. No cost, no obligation, no listing required.

Make it yours

You know this home best — fix what we got wrong.

Leave anything blank to keep the pulled value. Your edits save for this address, show an ✎ owner mark, and the original data stays recoverable — clear a field any time to go back.

Home facts

Beds

Baths

Square feet

Year built

Your value opinion ($)

My loan details

Straight off your mortgage statement or closing disclosure. This replaces the public-records estimate with a real amortization on your terms — and unlocks the payoff story, refi check, and equity chart.

Original loan amount ($)

Interest rate (%)

Term

Loan start (first payment)

Loan type

I currently pay mortgage insurance (PMI / MIP)

My home photo

Street View isn't always flattering — or even the right house. Use your own photo, or turn the photo off.

2 Your loan, month by month

What you've actually paid so far.

Every payment splits between interest and your balance. Here's the honest split — and how to tilt it your way.

Toward your balance—

Toward interest—how every mortgage starts — the split shifts your way each year

Loan paid off—

Balance repaidStill to go

Add a little extra each month? +$250/mo

4 What your equity can do

You have options. Here's what each one looks like.

Real numbers based on your home — not guesses. Tap through to see what's possible, then let's talk it through.

Refinance / cash-out

Tap into $150,000 — and keep a comfortable payment

With 37% equity, you could take cash out for a renovation, debt payoff, or investment while your home keeps working for you.

Estimates only — actual terms depend on rate, credit, and program at time of application.

Run my real numbers →

5 Your home as an income machine

What would it rent for?

A market rent estimate for your home — one more way to see the wealth you're sitting on.

Low—

Est. monthly rent—

High—

Market estimate from comparable rentals — not a guarantee. Short-term (Airbnb) potential can be very different; that's a modeling conversation.

Your upgrades

What your improvements are worth.

Log what you've put into the home. We apply typical resale-recoup ranges from published remodeling cost-vs-value studies — a planning guide, not an appraisal.

Typical recoup varies by market and finish level — kitchens rarely return every dollar, curb appeal often over-delivers. Your agent's CMA or an appraisal is the real word on what upgrades return.

6 Your next move

What could you afford next?

Slide your numbers — and see what happens when your equity becomes your down payment.

Household income (yearly) $120,000

Monthly debt payments $500/mo

Cash savings for down payment $20,000

Add my home equity as buying power The equity you could free from this home (up to 80% of its value) working as your next down payment.

Estimated price range —

A quick estimate using the standard 28/36 affordability rule — not a preapproval, offer, or commitment to lend. Your real number depends on credit, program, taxes & insurance.

ClearEquity home values are automated estimates and may differ from a formal appraisal or CMA. Equity, loan balance, rate, and scenario figures are estimates for informational purposes only and are not an offer or commitment to lend, a rate quote, or a guarantee of value, savings, or terms. All loans are subject to credit approval.

Equal Housing Lender. We do not discriminate based on race, color, religion, national origin, sex, marital status, age, disability, or because you receive public assistance.

Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov.

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Let's pin down your real number

Tell us what you paid for the home and when — we'll bring it to today's market using the FHFA federal price index for your state (the same index Fannie Mae & Freddie Mac use).

What you paid When (roughly is fine)

Estimate only — not an appraisal. You can refine any detail on the report afterward.

How accurate is your estimate?

You know this home best — fix what we got wrong.

Home facts

My loan details

My home photo

What we can estimate about this home's mortgage.

Every month, you own a little more.

Recently sold near you.

What you've actually paid so far.

Would refinancing actually help?

Want us to watch the market for you?

You have options. Here's what each one looks like.

Tap into $150,000 — and keep a comfortable payment

What would it rent for?

What your improvements are worth.

Where your equity is headed.

What could you afford next?

Thinking about a move — or just curious?

Let's pin down your real number