“Homeowner equity has more than doubled over the past decade and become a crucial buffer for many weathering the challenges of the pandemic. These gains have become an important financial tool and boosted consumer confidence in the U.S. housing market, especially for older homeowners and baby boomers who've experienced years of price appreciation." --Frank Martell, president and CEO of CoreLogic, Irvine, Calif.

Cheryl Muhammad is owner and CEO of Assured Real Estate Services, Memphis, Tenn., which she founded in 2005. She is responsible for the company’s day-to-day operations. She has been an award-winning full-time real estate agent since 1999. She serves as Co-Chair of the CONVERGENCE Memphis Information and Trust Gap Workstream.