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Mortgage Market Update
Guillermo Ley
Guillermo Ley
Wednesday, August 19, 2026
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Your equity can do more than just sit there |
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Hi there. I'm here to share ideas that can make homeownership work better for your life—and your wallet.
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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 own
If you've been a homeowner for a few years, you likely have equity built up in your home—the difference between what your home is worth and what you still owe. Many people don't realize this equity can work for them. Whether you're thinking about a major home project, consolidating debt, or funding another goal, there are loan options designed to tap into that equity without starting over on your mortgage. The key is understanding which approach makes sense for your situation and timeline. I'd love to walk you through how your equity could be an asset when you need it most. Let's talk about what equity options might work for you.
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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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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 Guillermo Ley team any time and we'll walk you through your options. |
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