How Much Is Your Home Worth?

Instant property Valuation

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What's Your Property Worth?

Knowing your home’s value gives you the insight you need to make confident, well-informed decisions about your future. Understanding your equity—whether you’re planning to sell, refinance, or simply evaluate your options—is an essential part of smart homeownership.

At DiGiovanna Realty Group LLC, our tools provide a more precise and reliable home valuation than automated estimates from major real estate portals. Rich’s background as a licensed appraiser, combined with decades of Northern Virginia market expertise, ensures a higher level of accuracy when determining your home’s true market value.

What is a Home Valuation?

A home valuation determines the current market value of a residential property. It plays a key role in real estate transactions by helping prevent over-borrowing and financial risk. Because a home typically serves as collateral for a mortgage, the lender must ensure that—should the borrower default—the property’s value is sufficient to recover costs. A thorough valuation protects both homeowners and lenders by establishing a realistic and defensible property value.

How is the Valuation of My Home Calculated?

The value of your home is calculated using a combination of factors including its location, age, size, condition, any improvements or renovations made, and recent sale prices of comparable homes in the neighborhood. It also factors in current market trends and local market conditions. The valuation tool is dynamic and can be influenced by data such as inventory trends, interest rates, and current buyer sentiment.

How Accurate is the Online Home Valuation?

Online valuations can be a helpful starting point, offering a quick estimate of your property’s value. However, these tools often miss important details—such as recent renovations, architectural enhancements, premium finishes, lot specifics, and nuanced neighborhood trends.

For a true understanding of your home’s market value, we recommend pairing your online estimate with a professional, in-person evaluation or a tailored CMA prepared by our team.

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Why Is a Valuation Important?

Situations When a Home Valuation May Be Necessary

Refinancing

Lenders base the amount of their loans on the value of your property and usually allow you to borrow a maximum of 75% to 96.5% against your property. Knowing what your home is worth allows lenders to calculate your equity in the home. The more equity you have, the better terms you will receive on your refinance.

Home improvements

If you’re doing home improvement projects to increase the resale value, you want to make sure you’re not pricing it out of the market. If your home is already priced on the high-end for your neighborhood, making too many improvements could make it more difficult to sell. When you get a valuation, you can see how your home compares with others in the neighborhood and let this guide your home improvement decisions.

Qualifying for credit

If you want to borrow cash against your home, getting a Home Equity Line of Credit (HELOC) could be a good option. To qualify, you must have a certain level of equity in your home. Most lenders require at least 20%. Getting a home valuation will help you determine if you qualify and will be used by the lender to make a decision on your loan.

Planning

Though it’s not a necessity, simply knowing the value of your home is good information to have. It will help you plan for the future and deal with unforeseen circumstances when you might be in a position that requires extra money or a quick relocation. Knowing how much equity you have in your home and how much you may be able to borrow against it or sell it for will help you respond to any financial curveballs that life throws at you.

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We pride ourselves on educating and guiding our clients so they can make confident, informed real estate decisions.