Equity protection

The Equity Analysis

A private, data-backed read on your home's position in this market — what it's worth, what it competes against, what it would net, and what would go wrong. Free, and no listing agreement attached.

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The premise

Most sellers price on the wrong information

They start with an automated estimate, adjust for what a neighbor claims they got, and add a cushion for negotiation. None of those three inputs is a comp.

It is a riskier habit now. An overpriced listing accumulates days on market, and days on market is itself a negotiating lever for the buyer. The cushion can cost you the thing it was meant to protect.

A list price is a hypothesis. This is the research that tests it before the market does it for you, expensively.
Contents

What's in the document

A note on the data

Comps and absorption rates come from the Wasatch Front Regional MLS the week you ask, plus off-market activity I know about directly. Information is deemed reliable but not guaranteed. Nothing in the analysis is legal, tax, or investment advice.

Who this is for

Three situations where it earns its keep

You're listing this year

You need a number you can defend against an appraiser, a buyer's agent, and your own optimism. That's the whole point of showing the adjustments.

You're deciding whether to

Selling is a financing question first. Net proceeds against your current rate and payoff usually settles the debate faster than any market opinion does.

You own a second home here

Second-home submarkets near the Jordanelle and Deer Valley East Village price on their own inputs, separate from in-town Heber City. If that is where you bought, your equity position deserves its own comp set rather than a valley-wide figure.

Why me

Fifteen years of underwriting, then this

I spent fifteen years in finance before I sold a house. The habit that carried over is refusing to state a number I can't source.

That makes for a slower first conversation and a much better second one. It also means I'll tell you when the data says wait, which is not a thing you'll hear from an agent chasing a listing count.

I live in Heber. I moved here the same way most of my clients do, from somewhere else, and I got the winter commute wrong at first like everybody else.

More about how I work Client reviews

Request your Equity Analysis

One business day. Free. No listing agreement.

Goes straight to Ashley. No drip campaign, no automated valuation.

Got it. Your request is in my inbox. I'll reply within one business day.
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Common questions

About the Equity Analysis

What is an Equity Analysis?

A written report on where your home sits in the current Heber Valley market and what you would net from selling it. It covers submarket comps, active competition, absorption rate, repair triage, net proceeds modeling, and title and water diligence. It is research, not a listing presentation.

Is it really free, and what is the catch?

It is free and there is no listing agreement attached. The reasoning is straightforward: sellers who understand their own numbers make better decisions and are better to work with. Some of them hire me and some do not.

How is this different from a CMA?

A standard comparative market analysis gives you comps and a suggested list price. This adds the parts that decide your outcome: absorption rate for your band, net proceeds at multiple price points, appraisal risk, repair return on cost, and the diligence items that surface late and kill deals.

How long does it take?

One business day for a standard in-town property. Two for acreage, water rights, or anything with unpermitted improvements, because those need verifying rather than assuming.

Do I have to be ready to sell?

No. A meaningful share of these go to owners who are twelve months out, or who simply want to know their equity position. Knowing the number early is how you plan around it.

What do you need from me?

The address, and anything the county record would not know: renovations, water shares, easements, view corridor, HOA quirks, or an offer someone has already floated at you.