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Mortgage Market Update
My Mortgage Company
Kristopher Matyas
Tuesday, October 20, 2026
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The right loan program for your situation |
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Not every mortgage is built the same way, and that matters for your wallet and your peace of mind. This week I want to walk you through how to think about which program actually fits where you are.
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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 mortgage program actually fits your situation
When you're shopping for a mortgage or thinking about refinancing, the loan program you choose matters as much as the rate itself. Different programs come with different rules about down payments, credit requirements, what properties qualify, and how quickly you can close. A conventional loan works one way. An FHA loan opens doors for other borrowers. An ARM might make sense in one scenario but not another. The right choice depends entirely on your timeline, how long you plan to stay in your home, and what your financial picture looks like today. I spend a lot of time matching borrowers with the program that actually works for them—not just the one that sounds good. It's worth having that conversation before you get too far down the road. Let's talk about which program makes the most sense for what you're trying to do.
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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
Kristopher Matyas
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