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Mortgage Market Update
Rob luliucci Rob luliucci
Rob luliucci
Thursday, August 20, 2026
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Do you know how much equity you have? |
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Hey there—hope you're having a solid week. This one's about something a lot of homeowners overlook until they need 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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Home Equity
Your home's equity is real money—here's how to use it
If you've been paying your mortgage for a few years, or your home has appreciated, you've likely built equity. That's the difference between what your home is worth and what you owe on it—and it's an asset you can actually tap into. Many homeowners don't realize they have options: a home equity line of credit, a cash-out refinance, or a home equity loan can let you borrow against that equity for renovations, debt consolidation, education, or other goals. The key is understanding which tool makes sense for your situation and timeline. If you're curious whether you have equity available and what borrowing against it might look like, I'd love to walk you through the options. Reach out and we can take a quick look at your home's equity and what's possible.
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Tip of the Week
If your credit score is below 740, even small improvements before applying for a mortgage can save you thousands over the life of the loan.
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Tips for Homeowners
Weatherproofing Your Home Before Winter
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1.
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Clean your chimney if you have a fireplace. The National Fire Protection Association recommends annual inspection and cleaning to prevent chimney fires.
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2.
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Check attic insulation and ventilation before winter. Inadequate insulation leads to heat loss, higher energy bills, and ice dams on the roof that can cause significant damage.
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3.
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Inspect weatherstripping on all exterior doors. A simple dollar-bill test works: close the door on a bill — if you can pull it out easily, your weatherstripping needs replacing.
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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 Rob luliucci Rob luliucci team any time and we'll walk you through your options. |
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