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Mortgage Market Update
Zachary White
Zachary White
Wednesday, August 19, 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
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 Zachary White team any time and we'll walk you through your options. |
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