Veronica Canchola · August 27, 2026

How your mortgage builds wealth

Mortgage Market Update

My Mortgage Company

Veronica Canchola

Thursday, August 27, 2026

How your mortgage builds wealth

Hi there. This week I want to remind you of something powerful that's already happening with your 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 home is working for you—even when you sleep

Every mortgage payment you make builds equity in your home. Part of that payment goes toward interest, but the rest reduces what you owe—meaning you own more of your home each month. Over time, this compounds. The longer you stay in your home, the more equity you accumulate, and that equity can become a real financial asset. You might tap it later for a major expense, use it to refinance into better terms, or simply enjoy knowing you're building real wealth. The earlier you start, and the sooner you pay down principal, the faster this works in your favor.

If you'd like to talk about your current loan or explore ways to build equity faster, I'm here to help.

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

Veronica Canchola

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