Equity Snapshots On The Renewals List

A renewal client's equity snapshot is never more than a click away, and it tells you whether the conversation is just a renewal or a renewal plus a refinance/debt-consolidation opportunity.

Where To Find It

Sort the list by equity. Open Filters and pick Equity (high) or Equity (low) under Sort by, so your highest-equity renewals float to the top. See Filtering And Sorting The Renewals List.
Open a client's Equity tab. Click into any row and switch to the Equity tab for the full snapshot.

A renewal client's detail view on the Equity tab, showing estimated value, mortgage owed, home equity available, LTV, a HELOC eligibility note, and a reverse mortgage scenario. — The Equity tab on a client's detail view - the full equity picture behind the snapshot.

What The Snapshot Value Represents

It's the estimated current equity in the client's subject property: estimated value minus current mortgage balance. The value comes from a blend of several AVMs. Full math: How Equity Is Calculated.

Using It In A Renewal Conversation

The renewal conversation usually starts as "what's my new rate?" - but equity often unlocks a much bigger discussion:

High equity → consider proposing a debt consolidation refinance alongside the renewal. The client renews their primary mortgage at a competitive rate AND consolidates high-interest debt at the same time.
High equity → discuss accessing equity via a HELOC at renewal. The renewal is the natural moment to layer one on.
Modest equity → focus on rate and term competitiveness.

That Equity tab breaks the snapshot into the full picture: value, balance, equity, LTV, HELOC scenario, reverse mortgage scenario, and any additional properties. See What The Equity Page Shows.

Refresh Cadence

AVM values refresh automatically. If you want a more accurate value for a specific property (because you know the market locally or have an appraisal in hand), use the pencil icon to set a manual override. See How Equity Is Calculated.

Adding Other Properties

If your client owns rentals, a cottage, or other properties, add them to the client profile so portfolio equity is accurate. This often changes the conversation entirely - a client with $200K of subject-property equity might have $900K across their portfolio. See Adding Additional Properties and Portfolio Equity.

What To Do Next

Drill into the full equity picture: What The Equity Page Shows.
Capture the rest of the client's portfolio: Adding Additional Properties.
Add debts to surface the consolidation opportunity: Adding Client Debts.