Timothy Trifiletti · August 27, 2026

What your home equity is really worth

Mortgage Market Update

My Mortgage Company

Timothy Trifiletti

Thursday, August 27, 2026

What your home equity is really worth

It's easy to think of your mortgage as just a monthly payment. But something valuable is happening behind the scenes every month.

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.


Home Equity Basics

Your home is building wealth—here's how to see it

Every mortgage payment you make builds equity in your home. That's the difference between what your house is worth and what you still owe on it. Over time, as you pay down your loan and your home potentially appreciates, that equity grows—and it belongs to you.

Understanding your equity matters because it can open doors later. Some homeowners use it to fund renovations, consolidate debt, or handle major expenses. Others simply watch it grow as part of their long-term wealth plan. The best time to get clear on your equity is now, not when you need it. I'd be happy 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 could mean for your financial 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

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My Mortgage Company

Timothy Trifiletti

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