Raymond F Rodrigues · August 27, 2026

How your mortgage builds your wealth

Mortgage Market Update

My Mortgage Company

Raymond F Rodrigues

Thursday, August 27, 2026

How your mortgage builds your wealth

Hi there—this week I want to talk about something that happens quietly in the background of homeownership: equity. It's one of the reasons buying a home is such a smart long-term move.

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—that's the portion of your home's value you actually own outright. It's one of the most powerful wealth-building tools available, and it happens automatically. As you pay down your loan balance, your equity grows. On top of that, when your home's value appreciates over time, that increases your equity too. This matters because equity can become a resource down the road: you might refinance into a better loan, tap it for a major expense, or simply enjoy the peace of mind that comes with owning more of your home each year. The longer you stay in your home, the stronger this effect becomes.

If you'd like to understand how much equity you might have built, or explore what that could mean for your financial future, I'd be happy to walk through it with you.

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

Raymond F Rodrigues

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