Brad Powers · September 2, 2026

Your home equity might be more useful than you think

Mortgage Market Update

My Mortgage Company

Brad Powers

Wednesday, September 2, 2026

Your home equity might be more useful than you think

Hi there. This week I want to talk about something a lot of homeowners have but don't always know how to use.

National Mortgage Rates · August 27, 2026

30-Year Fixed

6.66%

FHA 30-Year

6.55%

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.


Home Equity

What you can actually do with your equity

Once you build equity in your home, you're sitting on an asset you can use. A lot of homeowners don't realize they have options beyond just waiting. Depending on where you are in your mortgage, you might refinance into a new loan, open a home equity line of credit, or explore a cash-out refi if you need funds for a major expense, home improvement, or debt consolidation. The key is understanding what makes sense for your specific situation—your timeline, your goals, and what the numbers actually look like. If you've been in your home a few years and think you might have built some equity, it's worth a conversation. I can walk you through what options exist and whether any of them make sense for you.

Give me a call or send a message if you'd like to explore what your equity could do for you.

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

Brad Powers

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