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Mortgage Market Update
April Brock
April Brock
Wednesday, August 19, 2026
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How much equity do you actually have? |
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Hi there. I wanted to check in this week with something I often discuss with clients—the hidden asset many homeowners overlook.
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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 & Cash-Out
Your home has likely built more equity than you think
If you've owned your home for a few years, the principal you've paid down—plus any appreciation in your neighborhood—means you probably have real equity to tap into. Some borrowers use cash-out refinancing to fund home repairs, consolidate debt, or cover major expenses. Others simply want to know what they're sitting on. The good news: there are flexible loan programs designed to let you access that equity without selling or waiting. The first step is understanding exactly what you have. I'd be happy to walk through a quick home valuation and equity check with you—no obligation, just real numbers so you know your options. Reach out whenever you'd like to explore how much equity you've built.
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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 April Brock team any time and we'll walk you through your options. |
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