Dallas Groves · September 2, 2026

Are you building equity faster than you think?

Mortgage Market Update

My Mortgage Company

Dallas Groves

Wednesday, September 2, 2026

Are you building equity faster than you think?

Hi there. I want to share something about homeownership that often gets overlooked—and it's genuinely worth paying attention to.

National Mortgage Rates · August 27, 2026

30-Year Fixed

6.66%

FHA 30-Year

6.55%

VA 30-Year

6.38%

Rate trend

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.


Equity Building

Your home is working for you while you sleep

Every mortgage payment you make does two things: it covers interest to your lender, and it builds equity—the ownership stake you're building in your home. Over time, as you pay down the principal, that equity grows. And here's what matters: your equity isn't just a number on paper. It's real wealth you can tap into if you need it, whether for a major expense, home improvement, or other financial goals. The longer you stay in your home, the more equity you accumulate. Understanding this is key to seeing your mortgage as an investment in your future, not just a monthly bill.

If you'd like to talk about how much equity you may have built, or explore options for using it, I'm here to help.

Tip of the Week

Your mortgage interest may be tax-deductible if you itemize. Check with your tax professional to see if it benefits you.

Tips for Homeowners

Understanding Mortgage Points

1.

One mortgage point equals 1% of your loan amount. Paying points ("buying down the rate") reduces your interest rate — typically 0.25% per point, though this varies by lender and market.

2.

Calculate your break-even: divide the cost of the points by your monthly savings. If it takes 4 years to break even and you plan to stay 10 years, buying points makes sense.

3.

Points paid on a home purchase are generally tax-deductible in the year paid (if you itemize). Points on a refinance must be deducted over the life of the loan.

Have questions about how any of this affects your mortgage or home purchase? We're here to help — reach out to the My Mortgage Company team any time and we'll walk you through your options.

Your Mortgage Advisor

M

My Mortgage Company

Dallas Groves

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