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Mortgage Market Update
Steven Dell’Aria
Steven Dell’Aria
Wednesday, August 19, 2026
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How much equity are you building? |
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Hi there, I hope you're having a great week. Today I want to share something that often gets overlooked—but shouldn't.
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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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Building Equity
Your home is working for you every month
One of the best parts of owning a home is that your monthly mortgage payment is building equity—the difference between what your home is worth and what you owe. Every payment chips away at your loan balance, and as your home's value changes over time, that equity grows. This is real wealth accumulation that renters don't experience. The longer you stay in your home, the more equity you build, which can give you options down the road—whether that's refinancing, accessing funds for a major expense, or moving to your next place with a stronger financial position. If you're curious about how much equity you might have built, or if you're wondering whether it makes sense to tap into it, I'd love to walk you through your options. Let's talk about your equity and what you can do with it.
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Tip of the Week
Inspect your attic insulation. Proper insulation reduces heating and cooling costs and can prevent ice dams on your roof.
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Tips for Homeowners
Fall Home Prep: Heating, Safety & Systems
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1.
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Have your heating system serviced before it's needed. A furnace failure in winter is an emergency — routine maintenance costs far less than emergency repairs.
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2.
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Test smoke detectors and carbon monoxide detectors and replace batteries. Carbon monoxide poisoning risk rises when heating systems run more frequently.
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3.
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Drain and shut off exterior faucets and sprinkler systems before the first freeze to prevent burst pipes — one of the most expensive and disruptive homeowner emergencies.
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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 Steven Dell’Aria team any time and we'll walk you through your options. |
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