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Saturday, August 1, 2026 |
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A Note From Daniel Patrick Nacarato
Need Fast Access to Home Equity? I Can Help in as Little as 24 Hours
Product Highlights:
Up to 89.99% CLTV.
620 minimum FICO.
Up to 55% DTI.
No appraisal – fully automated AVM.
Soft credit pull until loan acceptance.
1st and 2nd Lien Options.
2nd lien rates as low as 6.00%.
Up to $400,000 available in as little as 24 hours.
Whether it's for home improvements, debt consolidation, investment opportunities, or unexpected expenses, this program makes accessing home equity easier than ever.
Know someone who could benefit? Reach out today or share this with a friend, family member, or client who may be looking for a fast, flexible financing solution.
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Mortgage Market Update
Builder confidence hits 15-year low—what it means for you
This week brought some sobering signals about the housing market's near-term health, along with a few bright spots worth watching. Here's what matters for your wallet and your next move.
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National Mortgage Rates · July 30, 2026
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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 Building
You might have more equity than you think
Every mortgage payment you make builds equity—that's the difference between what your home is worth and what you still owe. But many homeowners don't realize how much they've actually accumulated, especially if you've been in your home for a few years. Your equity can open doors: it might qualify you for a cash-out refinance, a home equity line of credit, or help you avoid PMI on a future purchase. The easiest first step is to get a rough sense of your home's current value and how much principal you've paid down. If you're curious where you stand, I can walk you through it and show you what options might make sense for your situation.
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Tip of the Week
Landscaping maintenance protects your home's value — overgrown yards are the number one curb appeal issue buyers notice.
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Tips for Homeowners
HOA Fees and How They Affect Your Mortgage
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HOA dues are included in your debt-to-income ratio calculation when you apply for a mortgage. High HOA fees reduce how much home you can qualify for.
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2.
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Before buying in an HOA, review the financials: reserve fund balance, any pending special assessments, and recent meeting minutes. A depleted reserve fund can mean a large unexpected charge.
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3.
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HOA dues are generally not tax-deductible for a primary residence. If the home is a rental property, dues may be deductible as a business expense.
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Home builder sentiment dropped again in July, with the NAHB index falling to 34—its lowest level in over a decade. Affordability challenges and economic uncertainty are keeping builders cautious about starting new projects, which could eventually mean fewer homes on the market.
| Key takeaway: tight inventory down the road could keep upward pressure on home prices, even as demand stays weak today. |
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Signed contracts on existing homes fell 5.4% in June as mortgage rates and record-high prices continue to price out buyers. The market remains stuck in a holding pattern—neither buyers nor sellers have clear momentum right now.
| Key takeaway: if you're thinking about selling, the next few months may be quieter than recent years, so pricing strategically matters. |
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Builder sales picked up 1.6% in June after a weak May, though they're still about 5.6% below last year's pace. The recovery is modest, and rates and affordability remain the main headwinds keeping buyers on the sidelines.
| Key takeaway: new home sales stabilizing is a positive sign, but don't expect a sharp rebound until affordability improves. |
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While over 40% of homes nationally are seeing price cuts, pockets like San Francisco—home to AI companies—are staying resilient. Where you live is becoming an even bigger factor in whether you're seeing buyer-friendly or seller-friendly conditions.
| Key takeaway: local market strength matters more than national trends, so focus on your specific neighborhood and metro area when timing a move. |
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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 Daniel Patrick Nacarato team any time and we'll walk you through your options.
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2701 East Insight Way, Suite 150, Chandler, AZ 85286
Cell 602-882-0678 - NMLS 247584
Barrett Financial Group, LLC · Unsubscribe
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