How do homeowners track their home's value and equity?
Equity is simple arithmetic: what the home is worth today, minus what is still owed on it. Tracking it means neither number is allowed to go stale — the value refreshes as the market moves, the balance drops as the loan pays down, and the homeowner can see the gap between them grow (or shrink) month by month.
What a tracked home looks like in Homeowner HQ
A monthly update from your own agent. Your realtor or lender loads your home once; every month you get its current value, your equity, and what changed — carrying their name, not a platform's.
An estimate, honestly labeled. The value is an estimate built from market data, not a licensed appraisal. For a refinance, a sale, or a dispute, an appraisal is still the number that counts.
You can fix your own facts. Rooms, condition, improvements the records miss — correct them from inside the update and the estimate recalculates. The number gets closer to your real house the longer it runs.
Your agent sees a Sell score; you see your home. On the agent's side, every homeowner carries a Sell score (0–100, built from equity, time in home, value movement, and replies) so the agent knows who may be getting ready to move. The homeowner just sees their own numbers.
What it costs
Homeowners are always free. Realtors pay $25/mo all-in and lenders pay $25/mo to join, at any book size, with no setup fee; messaging is included free for realtors, and lender messaging is $100/mo ($125/mo total for lenders). A lender-sponsored realtor joins for $0.
Homeowner HQ is an AI-powered marketing department for agents and lenders — a relationship and revenue engine, not a homeowner database. A homeowner's record routes them back to their own agent; it is never sold and never shown to lenders.