How to Start the $300K Home Equity Conversation
Here’s a stat worth sharing with everyone you know:
The average homeowner with a mortgage has over $300,000 in equity right now.
That’s not a typo — that’s six figures of buying power, renovation potential, or wealth-building leverage sitting in the homes of people already in your database.
Most of them don’t realize how much they’ve built — or what it could mean for their next move.
Why This Conversation Matters Now
In a market where affordability is tight and some would-be movers are waiting on rates, equity is the unlock.
It’s the strategy conversation that cuts through the noise — because it’s specific, personal, and powerful.
When you show someone the real numbers behind their home’s equity, you’re not just talking about selling — you’re helping them see possibility.
Whether that means moving up, downsizing, or reinvesting, equity helps make those goals achievable.
Here’s What to Do Next
It’s one thing to say, “You’ve built up a lot of equity.”
It’s another to show someone exactly how much — and what that means for their buying power.
That’s why you just downloaded the Professional Equity Assessment Report (PEAR) template.
It’s designed to make this conversation visual, specific, and confidence-building.
Here’s how to use it effectively:
1. Start with curiosity, not a call-to-action.
You don’t need to open with “Are you thinking about selling?”
Instead, try:
“Hey [Name], a lot of homeowners are sitting on more equity than they realize.
Would you be interested in seeing what that looks like for your home?”
This keeps the focus on them, not the transaction.
2. Use the visual to make the value tangible.
When they say yes, use your PEAR report to show — not just tell — what their equity could mean:
- How much buying power it creates if they move.
- What renovation or debt payoff potential they have.
- How that wealth has grown without them even realizing it.
It’s not about selling their home — it’s about showing possibilities.
3. Shift from numbers to next steps.
Use the script section of your report to help them imagine what’s possible:
“If you knew you had around $300K in equity, what would you want to do with it?”
or
“Would you want to explore what that could mean for your next chapter?”
That’s how you turn data into dialogue and dialogue into opportunity — without pressure or pushiness.
Why This Works
- It’s personal. You’re reaching out one-to-one, not broadcasting to a list.
- It’s value-led. You’re showing people something about their financial position they didn’t know.
- It’s natural. You’re offering insight, not asking for business.
- It’s repeatable. You can use this same framework with any client, at any stage of the relationship.
Bottom Line: Be the Agent Who Shows Up First – and With Facts
The agents who win right now aren’t waiting for clients to raise their hand.
They’re starting the conversations that matter — and using tools like the PEAR report to make those conversations meaningful.
If you want to build consistency around that kind of outreach, Keeping Current Matters makes it simple with ready-to-use content, talking points, and tools that do the heavy lifting for you.
