Legacy Lending Group · August 27, 2026

How much equity have you built?

Mortgage Market Update

My Mortgage Company

Legacy Lending Group

Thursday, August 27, 2026

How much equity have you built?

Hello, I wanted to share something that often goes overlooked: the power of building equity in your home.

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 for you every month

Every mortgage payment you make builds equity—the difference between what your home is worth and what you owe. Early on, most of that payment goes toward interest, but over time, more and more goes straight to ownership. That's money staying in your pocket, not a landlord's. If you've owned your home for a few years, you might have more equity than you realize. Some borrowers tap into that equity for big expenses, renovations, or consolidating debt at better rates. Others just let it grow quietly in the background. Either way, it's a real financial asset. If you're curious how much equity you've built or what options might be available to you, I'd love to walk through the numbers.

Let's talk about your home's equity and what it could mean for your goals.

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

Legacy Lending Group

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