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Mortgage Market Update
Nina Rose
Nina Carpenter
Tuesday, October 20, 2026
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Building wealth through your home |
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One of the best things about homeownership is that you're building something tangible over time. Let's talk about what that really means for your financial picture.
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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
What your home equity can do for you
If you've owned your home for a while, you're likely sitting on equity—the difference between what your home is worth and what you owe on your mortgage. Most homeowners don't think much about it until they need it. But equity is real financial power. It can help you cover a major expense, fund a renovation, or even refinance into better loan terms. The more you pay down your mortgage, the more equity you build. And if life circumstances change, knowing what you have available can open doors you didn't realize were there. If you'd like to talk about what your equity means for your situation, I'm here to help.
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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 Nina Rose team any time and we'll walk you through your options. |
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