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Mortgage Market Update
Robert Majors
Robert Majors
Monday, September 14, 2026
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What's your home worth right now? |
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Hello, and thanks for staying connected. This week I want to focus on something a lot of homeowners overlook—the wealth they've already built.
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National Mortgage Rates · September 10, 2026
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Conventional 30-Year
6.76%
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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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Equity Awareness
You may have built more equity than you think
If you've owned your home for a few years, or if your property has appreciated, you're likely sitting on equity—the difference between what your home is worth and what you owe. Many homeowners don't realize how much they've accumulated, which means they might be missing opportunities. Equity can be used to refinance into better terms, fund home improvements, consolidate debt, or handle an unexpected expense. The first step is understanding what you actually have. A quick home value check and a look at your current loan balance will tell you where you stand. I'd be happy to help you figure it out and explore what options make sense for your situation. Let's talk about your equity and what it could mean for you.
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Tip of the Week
Gift funds from family can be used toward a down payment on most loan types — your lender will need a simple gift letter.
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Tips for Homeowners
VA Loans: Benefits Every Veteran Should Know
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1.
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VA loans require no down payment and no private mortgage insurance (PMI), making them one of the most powerful home-buying tools available to eligible veterans, active-duty service members, and surviving spouses.
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2.
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VA loans do require a funding fee (typically 1.25%–3.3% of the loan amount), which can be rolled into the loan. Veterans with a service-connected disability rating may be exempt from this fee.
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3.
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There's no VA loan limit for eligible borrowers with full entitlement — you can finance as much as a lender will approve. If you've had a prior VA loan, partial entitlement rules may apply.
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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 Robert Majors team any time and we'll walk you through your options. |
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