A Note From Scott Munds

A Quick Note from Scott

Thanks for staying connected. I appreciate being able to keep you informed and be a resource whenever you need one. My goal is simple: provide helpful information and keep you informed about the market. Whether you're thinking about buying, refinancing, or simply keeping an eye on the market, I'm always here as a resource. I appreciate your trust, your referrals, and the opportunity to be part of your journey — Scott

National Mortgage Rates · July 30, 2026

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 Check

How much equity are you actually sitting on?

If you bought a few years ago or made extra payments, there's a good chance your home is worth more than what you owe. That equity is real money—it's just locked up in your property. Knowing your number matters because it opens doors: you might qualify for a cash-out refinance to pay off debt, fund repairs, or cover other expenses. You could also tap it for a home equity line of credit or loan if you need flexibility. Even if you're not ready to use it, understanding your position helps you make smarter financial decisions down the road. The first step is simple—a quick conversation can give you a clear picture of where you stand.

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Landscaping maintenance protects your home's value — overgrown yards are the number one curb appeal issue buyers notice.

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HOA Fees and How They Affect Your Mortgage

Keeping Current Matters

Home prices may finally be gaining momentum again

For over a year, the talk has been all about home prices falling. But the latest numbers suggest that trend might be reversing — price growth appears to be picking back up. This matters because if prices are stabilizing or rising, it affects when you should buy, sell, or refinance.

Mortgage News Daily

New home sales are bouncing back — slowly

New home sales picked up a bit in June after dropping the month before, though they're still lower than last year. Buyers are still dealing with high mortgage rates and affordability challenges, which means builders aren't rushing to start projects. Modest improvement is a sign the market is finding its footing, but don't expect a boom yet.

Keeping Current Matters

Don't overlook homeowners insurance when budgeting

When you're focused on mortgage rates and home prices, it's easy to forget about homeowners insurance — but it's a real cost that adds to your monthly payment. Understanding insurance costs upfront helps you avoid surprises and budget more accurately for homeownership.

Your Mortgage Advisor