Now May Be The Perfect Time to Reevaluate Your Home Equity

Refinancing conversation is buzzing, and if you own in Contra Costa County, now’s the moment to tune in. Here’s why tapping into your home equity could be a game-changer:

Equity is more than numbers, it’s opportunity
With home values holding steady, many homeowners find themselves sitting on significant equity. That wealth can be used to:

• Renovate your kitchen or bathroom

• Consolidate high-interest debt

• Fund your child’s college education

• Invest in a second property

But timing is everything
Interest rates have fluctuated recently. If you locked a refinance last year at a competitive rate, great… hold on. But if you purchased at peak rates and haven’t refinanced, now may be a smart time to revisit, especially if your credit has improved.

Local market data shows a slight uptick in refinances in January–June 2025. Homeowners are cashing in equity to upgrade spaces or reduce monthly payments. That’s your neighbor making moves, and getting ahead.

Here’s what to do next:

• Check your current interest rate vs. today’s refinance rates

• Request a home valuation (many lenders offer free online tools)

• Talk to a trusted lender - see what your true loan-to-value ratio is

Refinancing isn’t just about lower payments, it’s about unlocking flexibility while your home’s value supports it.

Let me help you evaluate your options and decide if now’s the moment to act. Schedule a call and we’ll go through it together.