Randy Nederman · August 27, 2026

How much equity have you built?

Mortgage Market Update

My Mortgage Company

Randy Nederman

Thursday, August 27, 2026

How much equity have you built?

This week, I want to highlight something that's probably happening in your favor right now — whether you're thinking about it or not.

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 is working harder than you think

Every mortgage payment you make builds equity — that's the portion of your home's value you actually own. Over time, as you pay down principal and your home appreciates, that equity grows. It's one of the most powerful wealth-building tools available to everyday homeowners, and many people don't fully appreciate what they've got.

Knowing your equity matters because it opens doors. You may be able to tap into it for major expenses, a renovation, or other financial goals through a refinance or home equity line of credit. Even if you're not planning to use it now, understanding how much equity you've built is a smart money habit. I'd love to walk you through where you stand and what options might make sense for your situation.

Let's talk about your equity and what it means for your future.

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

Randy Nederman

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