03/27/2026
Here’s a little real estate fact that surprises people. Over one-third of homeowners in Minnesota don’t have a mortgage! Meaning, they’re free and clear. 100% equity in their home.
Many long-time homeowners underestimate the power of their equity. Especially those thinking about downsizing to a one-level home.
While first-time buyers focus on rates, prices, and headlines. Current homeowners already hold their biggest financial advantage: equity.
Over time, that equity has grown into a six-figure asset. For many downsizers, it changes what’s possible for the next chapter.
In Minnesota, 35% of homeowners had no mortgage in 2024. (According to Census.gov)
We recently sat down with a homeowner who assumed moving would be stressful. Using our One-Level-Transition Method, they got an exact game plan.
They discovered their home sale value and how to sell it for that amount. Everything changed.
Their equity wasn’t “nice to have.” It became the down payment, the safety cushion, and the flexibility—all at once.
What felt like a hard decision became a strategic one.
Here’s what most people don’t realize. A large share of homeowners are mortgage-free. Many others have small remaining balances.
Equity can fund the next house—or sharply reduce monthly costs
Equity can be the bridge to the dream and need to downsize, simplify, move.
It can turn a complicated move into a clean, confident step forward.
Less maintenance. Better layout. Lower monthly costs. More freedom.
If you’re curious what your equity looks like in today’s market, we’ll run the numbers for you.
No pressure. Just clarity.
Jenn and I put together a nice little guide to download if you’re interested.
Download our guide here: http://www.Diadoo.com/one-level-guide.
