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Mortgage Market Update
One Real Mortgage Master
Thursday, August 20, 2026
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How much equity do you have now? |
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Hi there—this week I want to talk about something that builds quietly in the background of homeownership.
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National Mortgage Rates · August 13, 2026
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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.
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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. Over time, this becomes real wealth. The sooner you understand how much equity you may have built, the sooner you can think strategically about what to do with it. Some homeowners refinance to tap that equity for home improvements or other goals. Others simply let it grow. Either way, it's worth knowing where you stand. If you've owned your home for a few years or watched values shift in your area, the number might surprise you. I'd be happy to run a quick check and walk you through your options—no obligation. Let's take a look at what you might have built so far.
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Tip of the Week
If your credit score is below 740, even small improvements before applying for a mortgage can save you thousands over the life of the loan.
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Tips for Homeowners
Weatherproofing Your Home Before Winter
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1.
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Clean your chimney if you have a fireplace. The National Fire Protection Association recommends annual inspection and cleaning to prevent chimney fires.
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2.
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Check attic insulation and ventilation before winter. Inadequate insulation leads to heat loss, higher energy bills, and ice dams on the roof that can cause significant damage.
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3.
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Inspect weatherstripping on all exterior doors. A simple dollar-bill test works: close the door on a bill — if you can pull it out easily, your weatherstripping needs replacing.
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Have questions about how any of this affects your mortgage or home purchase? We're here to help — reach out to the One Real Mortgage Master team any time and we'll walk you through your options. |
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