A simple but accurate guide explaining how lenders calculate usable equity — not the Zillow fantasy version.
 
Inside this quick digital guide:
The exact equity formula I used time and time for clients
The 80% LTV rule explained
Walk through example
How to estimate equity even without an appraisal
 
Perfect for homeowners exploring refinance, HELOC, HEL, equity planning, or debt restructuring.
 
Educational use only. Not individualized financial advice.
Created by Sabrina Montalvo, NMLS: 575897, Mortgage Loan Originator
Brokered under Discount Mortgage, NMLS # 274209
Valuable Lending™ is an independent educational brand and not a mortgage lender . All tools and materials are created from personal expertise and experience.