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Mortgage Market Update
Bianca Lopez
Bianca Lopez
Wednesday, August 19, 2026
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Your equity could work harder for you |
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I've noticed a pattern with clients who've been in their homes for a few years: they're surprised how much equity they actually own. The next question is always the same.
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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 to do once you've built equity
Building equity in your home is great—but having it and knowing what to do with it are two different things. Once you've accumulated equity through payments and appreciation, you have real options: you can tap into it for a major expense through a home equity line or loan, use it as a down payment to upgrade to a larger home, or simply keep building it for long-term wealth. The key is understanding which move aligns with your goals and finances right now. Every situation is different, which is why I like to sit down and walk through the possibilities. What works for one homeowner might not make sense for another.
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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 Bianca Lopez team any time and we'll walk you through your options. |
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2701 East Insight Way, Suite 150, Chandler, AZ 85286
(520) 907-2520 | https://themortgagehomemaker.com/
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