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Mortgage Market Update
Nina Rose
Nina Carpenter
Friday, November 6, 2026
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What's your home actually worth to you now? |
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Hi there. A lot of homeowners sit on opportunity without knowing it. Let me explain what I mean.
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National Mortgage Rates · November 5, 2026
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Conventional 30-Year
7.18%
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Source: Optimal Blue daily mortgage indices via FRED · 30-yr: Freddie Mac weekly survey
Rates shown are national mortgage index rates 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 Check
Your home equity might be worth more than you think
If you've owned your home for a few years, you've likely built up equity—the difference between what your home is worth today and what you still owe on your mortgage. A lot of homeowners don't realize how much they have, or what they can do with it. That equity can become a tool: it might help you tap into cash for home repairs, consolidate debt, or fund other goals. The first step is understanding your actual position. I'd be happy to give you a no-pressure assessment of where you stand and talk through your options if you're curious. There's no obligation—just clarity. Let's take a look at your equity situation together—reach out anytime.
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Tip of the Week
Closing costs typically run 2-5% of the loan amount. Ask your lender for a Loan Estimate so there are no surprises.
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Tips for Homeowners
Protecting Yourself from Mortgage Scams
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1.
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Wire fraud is one of the fastest-growing real estate scams. Never wire closing funds based solely on email instructions — always verify account numbers by calling your title company at a number you look up yourself.
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2.
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Loan modification and foreclosure rescue scams target homeowners in distress. Legitimate help is available free through HUD-approved counseling agencies at 800-569-4287.
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3.
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Be wary of unsolicited offers to refinance or cash out equity at terms that sound unusually favorable. If someone contacts you out of the blue, verify their NMLS license number at nmlsconsumeraccess.org.
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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 Nina Rose team any time and we'll walk you through your options. |
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