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Mortgage Market Update
One Real Mortgage Master
Wednesday, August 19, 2026
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How much equity do you have now? |
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Hi there—this week I want to talk about something that builds quietly in the background of homeownership.
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National Mortgage Rates · August 13, 2026
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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.
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Equity Building
Your home is working for you every month
Every mortgage payment you make builds equity—that's the portion of your home's value you actually own. Over time, this becomes real wealth. The sooner you understand how much equity you may have built, the sooner you can think strategically about what to do with it. Some homeowners refinance to tap that equity for home improvements or other goals. Others simply let it grow. Either way, it's worth knowing where you stand. If you've owned your home for a few years or watched values shift in your area, the number might surprise you. I'd be happy to run a quick check and walk you through your options—no obligation. Let's take a look at what you might have built so far.
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Tip of the Week
Inspect your attic insulation. Proper insulation reduces heating and cooling costs and can prevent ice dams on your roof.
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Tips for Homeowners
Fall Home Prep: Heating, Safety & Systems
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1.
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Have your heating system serviced before it's needed. A furnace failure in winter is an emergency — routine maintenance costs far less than emergency repairs.
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2.
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Test smoke detectors and carbon monoxide detectors and replace batteries. Carbon monoxide poisoning risk rises when heating systems run more frequently.
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3.
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Drain and shut off exterior faucets and sprinkler systems before the first freeze to prevent burst pipes — one of the most expensive and disruptive homeowner emergencies.
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Have questions about how any of this affects your mortgage or home purchase? We're here to help — reach out to the One Real Mortgage Master team any time and we'll walk you through your options. |
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