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Mortgage Market Update
My Mortgage Company
Cami Anthony
Thursday, September 17, 2026
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Do you know how much equity you have? |
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Each week I share real guidance on mortgages, rates, and smart money moves. This week: a reminder that your home is working for you.
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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 Check
Your home's equity might be worth more than you think
If you've owned your home for a few years, you likely have built up equity—the difference between what your home is worth and what you owe on your mortgage. That equity can be a valuable financial tool. Some homeowners tap into it through a refinance or a home equity line of credit when they need funds for home improvements, debt consolidation, or major expenses. The key is understanding how much equity you actually have and whether accessing it makes sense for your situation. I'd be happy to walk you through your options and help you see what your equity position looks like right now. Let's talk about what your home equity could do for you.
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Tip of the Week
Replace weatherstripping around exterior doors every few years. It's one of the cheapest ways to improve energy efficiency.
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Tips for Homeowners
USDA Loans: A Zero-Down Option for Rural Buyers
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1.
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USDA loans offer 100% financing (no down payment) for eligible properties in USDA-designated rural and suburban areas. The USDA's eligibility map may include areas closer to cities than you'd expect.
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2.
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USDA loans have income limits — typically 115% of the area median income. Both the property location and borrower income must qualify.
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3.
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There's an upfront guarantee fee (1% of the loan) and an annual fee (0.35% of the balance). These are lower than FHA mortgage insurance and can be rolled into the loan.
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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 My Mortgage Company team any time and we'll walk you through your options. |
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Your Mortgage Advisor
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My Mortgage Company
Cami Anthony
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