Trey Camp · August 1, 2026

How much equity have you built?

Mortgage Market Update

Trey Camp

Trey Camp

Saturday, August 1, 2026

How much equity have you built?

Hi—this week I want to talk about something many homeowners overlook: the equity you're building with every payment. Let me explain what it means for you.

National Mortgage Rates · July 30, 2026

30-Year Fixed

6.66%

FHA 30-Year

6.43%

VA 30-Year

6.25%

Rate trend

Source: Freddie Mac PMMS & Optimal Blue via FRED

Rates shown are national averages and are provided for informational purposes only. Actual rates vary based on credit profile, loan amount, and market conditions. Please contact us for a personalized rate quote.


Equity Building

You might have more home equity than you think

Every mortgage payment you make builds equity—that's the portion of your home's value you actually own. As you pay down your loan balance and your home appreciates, that equity grows. Many homeowners don't realize how much they've built up, especially if they've been in their home for several years.

Why does this matter? Equity can open doors. You might refinance into better terms, tap into a home equity line of credit for repairs or other needs, or have more flexibility if life changes. The first step is understanding where you stand. I'd love to help you figure out how much equity you've built and what options that might create for you.

Reach out if you'd like to discuss your home's current value and what that means for your financial options.

Tip of the Week

Landscaping maintenance protects your home's value — overgrown yards are the number one curb appeal issue buyers notice.

Tips for Homeowners

HOA Fees and How They Affect Your Mortgage

1.

HOA dues are included in your debt-to-income ratio calculation when you apply for a mortgage. High HOA fees reduce how much home you can qualify for.

2.

Before buying in an HOA, review the financials: reserve fund balance, any pending special assessments, and recent meeting minutes. A depleted reserve fund can mean a large unexpected charge.

3.

HOA dues are generally not tax-deductible for a primary residence. If the home is a rental property, dues may be deductible as a business expense.

Have questions about how any of this affects your mortgage or home purchase? We're here to help — reach out to the Trey Camp team any time and we'll walk you through your options.

Your Mortgage Advisor

T

Trey Camp

Trey Camp

trey@loansbytrey.com

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