Julia Davis · August 27, 2026

How your payments build wealth over time

Mortgage Market Update

My Mortgage Company

Julia Davis

Thursday, August 27, 2026

How your payments build wealth over time

Hi there. This week I want to share something that often gets overlooked—and it's one of the best reasons to own a 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.


Building Equity

Your mortgage is working for you every month

When you make a mortgage payment, something important happens that renters never experience: you're building equity in your home. Each payment chips away at what you owe and increases what you own. Over time, this adds up—and it can become a real financial asset.

Equity matters because it gives you options down the road. You may be able to tap into it for a major expense, use it toward a down payment on another property, or refinance into better terms if rates drop. The sooner you understand how your specific loan builds equity, the better you can plan. Let's talk about what your equity picture looks like and what it might mean for your future.

Reach out if you'd like to review your equity position or explore how it could work 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

Julia Davis

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