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Thursday, August 20, 2026 |
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Mortgage Market Update
Local election results and what's ahead
This week brought election results across Sheridan County, including races for state legislature, sheriff, and school leadership. Here's what happened and why you might care about who's heading to the ballot box in November.
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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 Strategy
What you can do with the equity you've built
If you've been a homeowner for a few years, you've likely built up some equity—that's the difference between what your home is worth and what you still owe. The good news is that equity isn't just a number on paper. Depending on your situation, you might be able to tap into it for a major expense, a home improvement, or to consolidate debt at a better rate. Not every option makes sense for every homeowner, which is why it helps to talk through your specific goals and what's available to you. I'd love to walk you through how your equity could work for you. Reach out and let's explore what's possible.
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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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Sheridan County Sheriff Levi Dominguez has been reelected to another term after winning his race against challenger Howie Fitzpatrick. While Fitzpatrick fell short, he expressed pride in his campaign and said he plans to stay involved in the community.
| Key takeaway: your sheriff's office will continue under current leadership through the next term. |
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Republican Steve Harshman and Democrat Ana Cordova both won their primary races and will face off in November for Wyoming's superintendent of public instruction position. This statewide role oversees education policy and funding that affects schools in your area.
| Key takeaway: you'll have a choice between two candidates with different visions for public education in the general election this fall. |
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In Senate District 21, which covers the northwestern part of Sheridan County, Butcher defeated Ken Pendergraft with 3,361 votes to 2,391. Butcher will replace the outgoing state senator in the legislature.
| Key takeaway: your district will have a new voice representing you in the Wyoming Senate starting in 2027. |
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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 Altitude Home Mortgage team any time and we'll walk you through your options.
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954 N Main Street
302187739
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