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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

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How to lock in appreciated home value

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: The value of the homes has risen so high in my area that I am concerned about a drop in values soon. Is there any way to lock in the value of my home without selling it?

A: This has become one of the top financial concerns among millions of Americans. With house values rising at double-digit rates and west coast properties up more than 25% in the past 12 months, there is good reason to be concerned. There are a number of strategies that can be used including hedges, sale/leaseback, or utilizing some type of diversification strategy. The important thing it that the strategy must be linked to your overall personal financial plan and strategies will vary from person to person depending on other personal financial factors. Discuss this issue one-on-one with your accountant or OnlineAdviser.


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