Tyler Bottermuller · August 1, 2026

How much equity have you built?

Mortgage Market Update

Tyler Bottermuller

Tyler Bottermuller

Saturday, August 1, 2026

How much equity have you built?

Hi there. This week we're talking about home equity and why it matters more than you might think.

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

How much home equity are you sitting on?

Every mortgage payment you make builds equity—the difference between what your home is worth and what you owe on it. Many homeowners don't realize how much they've accumulated, especially if they've been in their homes for several years. That equity can be a financial tool: you might tap it for a major expense, use it to refinance into better terms, or leverage it when buying a second property.

The first step is understanding your number. Your lender can pull a current estimate, and your home's value has likely shifted since you bought. If you're curious about your position or wondering whether your equity opens up new options, I'd love to walk through the numbers with you.

Reach out if you'd like a quick equity check—no obligation.

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 Tyler Bottermuller team any time and we'll walk you through your options.

Your Mortgage Advisor

T

Tyler Bottermuller

Tyler Bottermuller

tyler@destinationmtg.com

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