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Mortgage Market Update
My Mortgage Company
Kayleigh Williamson - For Deletion
Tuesday, October 20, 2026
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Which mortgage type fits you best? |
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Not every loan works the same way, and that matters more than you might think. Let me break down the main options and how to pick one.
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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 actually fits your situation?
Not all mortgages are created equal, and the right loan for your neighbor might not be right for you. Fixed-rate loans lock in your payment for the life of the loan—great if you plan to stay put. Adjustable-rate mortgages can start lower but change over time, which works for some borrowers but not others. Then there are programs designed for specific situations: lower down payments, easier qualification, or better terms if you're a first-time buyer or a veteran. The loan that makes sense depends on your timeline, risk tolerance, and financial picture. If you're unsure which direction to go, I'd love to walk through your options and help you understand what each one would actually look like for you. Let's talk about which loan program makes the most sense for 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
Kayleigh Williamson - For Deletion
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