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Mortgage Market Update
Tony Tehfe
Tony Tehfe
Wednesday, August 19, 2026
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How much is your home worth to you right now? |
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Hello, and thanks for reading. This week we're looking at something that builds quietly in the background: equity.
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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 even when you sleep
Every mortgage payment you make builds equity—that's the difference between what your home is worth and what you owe on it. Over time, this grows into real wealth. What many homeowners don't realize is that equity isn't just something that happens passively. Market appreciation helps, sure, but your monthly payments are the steady engine. If you've been in your home for a few years, you likely have more equity than you think. Knowing your number matters because it opens doors—refinancing options, home improvement loans, or simply understanding your financial position. I'd love to help you figure out where you stand. Let's talk about how much equity you've 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 Tony Tehfe team any time and we'll walk you through your options. |
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