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Mortgage Market Update
Troy Shuler
Troy Shuler
Wednesday, August 19, 2026
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What you've already built in equity |
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Hello, and welcome back. This week we're looking at one of the most underrated benefits of homeownership—the steady growth of your own wealth.
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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—here's how
Every mortgage payment you make builds equity in your home. As you pay down principal, you own more of the property outright. That equity can become a valuable tool later—whether you want to tap it for a major expense, consolidate debt, or refinance under better terms. The sooner you start, the more time your equity has to grow. If you've owned your home for a few years, you may have more equity than you realize. Understanding what you've built helps you make smarter decisions about your home's future. Let's talk about your situation and what options might make sense for you. Reach out if you'd like to discuss your equity and what it might mean for your goals.
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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 Troy Shuler team any time and we'll walk you through your options. |
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