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Tuesday, October 20, 2026 |
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Mortgage Market Update
What's your home really worth to you?
There's a number hiding in your mortgage that most people overlook—until they need it. Here's why it matters.
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National Mortgage Rates · October 16, 2026
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Conventional 30-Year
7.28%
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Source: Optimal Blue daily mortgage indices via FRED
Rates shown are national mortgage index rates 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 doing more than you think
Every payment you make builds equity—the difference between what your home is worth and what you owe. It's one of the quietest wealth builders out there, and most homeowners don't think about it until they need it. Knowing how much equity you've built matters because it opens doors: refinancing options, home improvements, or even access to cash if life happens. Whether you've owned your place for two months or twenty years, your equity position is worth understanding. If you're curious where you stand or wondering what your equity could mean for your financial picture, let's talk. Reach out and we can walk through what your equity position looks like today.
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Tip of the Week
Your loan officer can run a credit simulator to show exactly which actions will move your score the most.
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Tips for Homeowners
Year-End Tax & Mortgage Planning
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1.
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Consider making your January mortgage payment in December to get an extra month of deductible interest in the current tax year (consult your tax advisor first).
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2.
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If you plan to sell next year, now is a good time to document improvements — receipts and records add to your cost basis and reduce taxable capital gain at sale.
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3.
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Review your W-4 withholding if you bought a home this year — your mortgage interest deduction may mean you're having too much withheld from each paycheck.
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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 Connie Oller team any time and we'll walk you through your options.
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30 S 7th Ave, Brighton CO 80601
303-717-3223
Blue Spruce Mortgage · Unsubscribe
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