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Mortgage Market Update
Dante Zompetti
Zompetti Team
Wednesday, August 19, 2026
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Should you refinance right now? |
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Refinancing questions come up a lot, and the answer is rarely one-size-fits-all. Here's what I want you to think about before you decide.
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National Mortgage Rates · August 13, 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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Refinancing Basics
When refinancing makes sense (and when it doesn't)
Refinancing isn't always the right move, even when rates drop or your situation changes. The real question is whether the benefit you'd gain—a lower payment, shorter loan term, or cash out for a specific goal—outweighs the cost and time to close a new loan. Sometimes staying put makes more financial sense, especially if you're already deep into your current mortgage. I help borrowers run the actual numbers so you can decide with confidence, not guesswork. If you've been wondering whether now is your moment to refinance, or if you're better off holding steady, let's talk it through together. Reach out and we can look at your situation with fresh eyes.
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Tip of the Week
Inspect your attic insulation. Proper insulation reduces heating and cooling costs and can prevent ice dams on your roof.
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Tips for Homeowners
Fall Home Prep: Heating, Safety & Systems
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1.
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Have your heating system serviced before it's needed. A furnace failure in winter is an emergency — routine maintenance costs far less than emergency repairs.
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2.
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Test smoke detectors and carbon monoxide detectors and replace batteries. Carbon monoxide poisoning risk rises when heating systems run more frequently.
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3.
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Drain and shut off exterior faucets and sprinkler systems before the first freeze to prevent burst pipes — one of the most expensive and disruptive homeowner emergencies.
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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 Dante Zompetti team any time and we'll walk you through your options. |
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