This enhanced guide explains how to calculate equity manually, how lenders determine usable equity, and when equity access actually makes sense (and when it doesn’t).
 
Includes:
• Manual equity formula
• 80% LTV rule
• Real examples with real numbers
• Approval perspective (DTI, LTV, credit buckets)
• Red flags & expectations
• Common myths
• Refinance vs equity logic
• Life-event examples (divorce, repairs, emergencies, business)
 
Want even more personalization, calculators and case study walk throughs?
Explore Dinner Plate or Full Course for the full experience.
 
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.