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Tuesday, October 20, 2026 |
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Mortgage Market Update
Do you know how much equity you have?
Hey there—this week I want to touch on something that often goes overlooked: the equity sitting in your home right now.
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National Mortgage Rates · October 19, 2026
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Conventional 30-Year
7.07%
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Source: Optimal Blue daily mortgage indices via FRED · Includes our pricing adjustment
Rates shown are national mortgage index rates plus our pricing adjustment, 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 & Options
What your home equity can do for you
If you've been in your home for a few years, you likely have equity built up—that's the difference between what your home is worth and what you still owe. A lot of people don't realize this equity can be tapped into when life happens: a roof repair, a kid's education, a career change, or just consolidating higher-interest debt. There are a few smart ways to access it without selling, and the right choice depends on your situation, your timeline, and what you're trying to accomplish. The key is understanding your options before you need them.
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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 Matt Maier team any time and we'll walk you through your options.
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25 S Arizona Pl Suite 210, Chandler, AZ 85225
Matt
Matt Maier · Unsubscribe
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