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Mortgage Market Update
Alessandro Rivera
Alessandro Rivera
Wednesday, August 19, 2026
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Do you know how much equity you have built? |
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Hello—this week I want to talk about something that quietly builds year after year: your home equity. Here's why it's worth paying attention to.
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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 Awareness
Do you know how much equity you have?
If you've owned your home for a few years, you likely have built up equity—the difference between what your home is worth and what you still owe on your mortgage. This matters more than you might think. Equity can be a safety net, a source of funds for major expenses, or a stepping stone to your next move. The tricky part is that many homeowners don't actually know their number. Market values shift, and your loan balance changes with every payment. It's worth taking time to get a real sense of where you stand. When you do, you'll have clearer options if life throws you a curveball—or if an opportunity comes along. I'd be happy to help you run the numbers and talk through what your equity means for your situation. Let's figure out your equity position—reach out whenever you're curious.
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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 Alessandro Rivera team any time and we'll walk you through your options. |
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