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Mortgage Market Update
Amy Oliverio
Amy Oliverio
Wednesday, August 19, 2026
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What's your home's equity worth to you? |
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Building wealth through homeownership happens quietly—but it does happen. This week, let's talk about the equity you've earned and what you can actually do with it.
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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 Check
Your home's equity is a tool—here's how to use it
If you've been in your home for a few years, you likely have equity built up. That's real wealth sitting in your property, and it can work for you in several ways. A cash-out refinance lets you borrow against that equity to fund renovations, consolidate debt, or cover a major expense. A home equity line of credit (HELOC) gives you flexible access to funds as you need them. Even if rates aren't ideal for a full refinance, equity unlocks options. The key is understanding what makes sense for your situation—not all equity moves are the right move. I'd love to walk you through what your home's equity could mean for you and whether tapping into it makes sense right now. If you've been wondering whether your equity could help you reach a goal, let's talk through your options.
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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 Amy Oliverio team any time and we'll walk you through your options. |
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