|
Mortgage Market Update
Jacquie Saldana
Jacquie Saldana
Saturday, August 1, 2026
|
How much equity have you actually built? |
|
Hi there, it's your weekly mortgage check-in. This week I want to help you see what your home is actually worth in today's market.
|
|
National Mortgage Rates · July 30, 2026
|
%22%2C%22fill%22%3Atrue%2C%22tension%22%3A0.4%2C%22pointRadius%22%3A4%2C%22pointBackgroundColor%22%3A%22%233b5bdb%22%2C%22borderWidth%22%3A2%7D%5D%7D%2C%22options%22%3A%7B%22plugins%22%3A%7B%22legend%22%3A%7B%22display%22%3Afalse%7D%7D%2C%22scales%22%3A%7B%22y%22%3A%7B%22ticks%22%3A%7B%22callback%22%3A%22function(v)%7Breturn%20v%2B%5C%22%25%5C%22%7D%22%2C%22color%22%3A%22%23666%22%7D%2C%22grid%22%3A%7B%22color%22%3A%22rgba(0%2C0%2C0%2C0.06)%22%7D%7D%2C%22x%22%3A%7B%22grid%22%3A%7B%22display%22%3Afalse%7D%2C%22ticks%22%3A%7B%22font%22%3A%7B%22size%22%3A11%7D%2C%22color%22%3A%22%23666%22%7D%7D%7D%7D%7D&w=520&h=180&bkg=white&f=12) |
|
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 Check
What's your home actually worth right now?
If you bought a few years ago, you've likely built more equity than you realize. Home values have shifted across different markets, and understanding what you have can open doors—whether you're thinking about refinancing, tapping into a home equity line, or just curious where you stand. I recommend getting a quick valuation done, even if you're not planning to move or borrow. It's a reality check that often surprises people in a good way. Knowing your equity helps you make smarter decisions about your mortgage and your home's role in your overall finances. Let's find out how much equity you've built—reach out and we can explore what that means for your options.
|
|
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 Jacquie Saldana team any time and we'll walk you through your options. |
|
|
You are receiving this from Jacquie Saldana. Unsubscribe
|