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Mortgage Market Update
Zachary White
Zachary White
Thursday, August 20, 2026
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How much equity are you building right now? |
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Hi there, I wanted to share something about homeownership that often gets overlooked. Every mortgage payment you make is doing double duty.
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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 mortgage is building wealth every month
One thing I love about homeownership is that your monthly payment is working for you in two ways. Part of it goes toward interest, sure—but the rest goes straight toward building equity in your home. That's real wealth accumulating, month after month, regardless of what the market does. The longer you own, the faster that equity grows. If you've been in your home for a few years, you might be surprised how much equity you've already built up. Knowing this number matters because it opens doors: refinancing options, home improvement loans, or just the peace of mind that comes with knowing you're building something. Want to find out how much equity you have right now? Let's pull your information and see where you stand today.
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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 Zachary White team any time and we'll walk you through your options. |
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