The Equity Authority Blog
What is a HELOC?
A Home Equity Line of Credit is a revolving line secured by your home’s equity. You can draw funds during a set “draw period” and repay at a usually variable rate. It is useful for renovations, debt consolidation, or strategic investments.
How Much Do Most Buyers Put Down on a Home?
There is no single number. First-time buyers often put about 6 to 8 percent down. Repeat buyers commonly bring 15 to 20 percent. Minimums depend on the loan: conventional minimum is 3 to 5 percent, FHA 3.5 percent, and VA or USDA 0 percent for...
How Is a Short Sale Different from a Loan Modification?
A loan modification changes your existing mortgage terms so you can keep the home. A short sale is a lender-approved sale for less than the loan balance that lets you exit. Modifications aim to cure delinquency but...
How can investors benefit from advisory sessions?
Outlines what an advisory session typically covers—goals, risk questions, simple analyses, and next-step planning—so investors know what to expect. Educational; outcomes vary.
The Equity Authority provides Valuation & Consultancy Services and Mentorship as its primary focus. Sheryl L. Houck holds active licensure as a Florida State-Certified Residential Appraiser (Cert Res Appr RD4825) and as a Florida Licensed Real Estate Sales Associate (SL3108642).
Any valuation, analysis, or consulting services are performed solely under Ms. Houck’s appraiser license. Real estate sales activity is conducted in affiliation with eXp Realty, LLC, 7001 Discovery Blvd, Suite 300, Jacksonville, FL 32216, in compliance with Florida Real Estate Commission (FREC) regulations. The Equity Authority maintains a national network of licensed real estate professionals in every U.S. ZIP code and extends across 22 countries through the eXp Realty platform.
It is the responsibility of The Equity Authority to clearly disclose and differentiate when services are provided as Valuations & Consultancy versus Sales Collaboration that may result in a commission through eXp Realty or its global referral network.
Nothing on this website, in its materials, or within any course offerings should be construed as an appraisal assignment, nor should any information be interpreted as financial, tax, or investment advice. All appraisal services are performed in compliance with the Uniform Standards of Professional Appraisal Practice (USPAP). All real estate sales services are offered exclusively through eXp Realty, a licensed real estate brokerage.
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