Keith Scott Mackey · August 27, 2026

What's your home equity worth right now?

Mortgage Market Update

My Mortgage Company

Keith Scott Mackey

Thursday, August 27, 2026

What's your home equity worth right now?

Hi there. This week I want to talk about something that happens quietly behind the scenes every time you pay your mortgage: you're building wealth.

National Mortgage Rates · August 20, 2026

30-Year Fixed

6.65%

FHA 30-Year

6.53%

VA 30-Year

6.32%

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

Your home equity is growing—here's why it matters

Every mortgage payment you make builds equity in your home. Part of each payment goes toward principal (the actual paydown of your loan), and over time, that adds up to real wealth sitting in your property. On top of that, if your home has appreciated since you bought it, you're building equity even faster through no effort of your own.

Why does this matter? Equity can become a tool down the road. Some homeowners tap into it to fund renovations, pay for education, or consolidate debt. Others use it as a cushion if life throws a curveball. The sooner you understand how much equity you have, the sooner you can make smart decisions about your home and your finances. If you're curious about your current position or want to explore what your equity might mean for your future, I'd love to walk through the numbers with you.

Reach out anytime—I can give you a clear picture of where you stand.

Tip of the Week

Your mortgage interest may be tax-deductible if you itemize. Check with your tax professional to see if it benefits you.

Tips for Homeowners

Understanding Mortgage Points

1.

One mortgage point equals 1% of your loan amount. Paying points ("buying down the rate") reduces your interest rate — typically 0.25% per point, though this varies by lender and market.

2.

Calculate your break-even: divide the cost of the points by your monthly savings. If it takes 4 years to break even and you plan to stay 10 years, buying points makes sense.

3.

Points paid on a home purchase are generally tax-deductible in the year paid (if you itemize). Points on a refinance must be deducted over the life of the loan.

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

Your Mortgage Advisor

M

My Mortgage Company

Keith Scott Mackey

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