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Mortgage Market Update
My Mortgage Company
William Call
Tuesday, October 20, 2026
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What type of mortgage fits your situation |
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Not every loan works for every borrower. This week, let's talk about finding the right program for your needs.
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National Mortgage Rates · October 16, 2026
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Conventional 30-Year
7.28%
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Source: Optimal Blue daily mortgage indices via FRED
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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Loan Programs
Which loan type makes sense for you
Not all mortgages work the same way. Some borrowers do better with fixed rates that lock in predictability. Others benefit from adjustable programs early on, or specialized loans designed for specific situations—whether that's a lower down payment, a purchase with less-than-perfect credit, or a portfolio property. The right fit depends on your timeline, risk tolerance, and financial picture. I always recommend understanding what each program offers before committing to one. The difference between a good match and a mediocre one can ripple through your entire loan life. Let's talk about which program aligns with your goals.
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Tip of the Week
Your loan officer can run a credit simulator to show exactly which actions will move your score the most.
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Tips for Homeowners
Year-End Tax & Mortgage Planning
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1.
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Consider making your January mortgage payment in December to get an extra month of deductible interest in the current tax year (consult your tax advisor first).
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2.
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If you plan to sell next year, now is a good time to document improvements — receipts and records add to your cost basis and reduce taxable capital gain at sale.
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3.
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Review your W-4 withholding if you bought a home this year — your mortgage interest deduction may mean you're having too much withheld from each paycheck.
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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
William Call
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