Mortgage Market Update

My Mortgage Company

Travis Lang — Travis Lang

Tuesday, October 20, 2026

Other loan programs you might not know about

Hi there. Not every homebuyer or homeowner needs the same kind of mortgage. This week I want to talk about why.

National Mortgage Rates · October 16, 2026

Conventional 30-Year

7.28%

FHA 30-Year

7.13%

VA 30-Year

6.93%

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.

Loan Programs

When a conventional loan isn't your only option

If you've been told you don't qualify for a conventional mortgage, or the numbers don't quite work for your situation, there's a good chance another loan program might be a better fit. FHA, VA, USDA, and portfolio loans exist because different borrowers have different circumstances—different down payments, credit histories, or property types. The right program can mean lower upfront costs, more flexibility on credit, or the ability to buy in a rural area where conventional lending falls short. I've helped plenty of borrowers discover they had more options than they realized. If you've hit a wall elsewhere, it's worth talking through what's actually available to you.

Let's explore what loan programs might work for your situation.

Tip of the Week

Your loan officer can run a credit simulator to show exactly which actions will move your score the most.

Tips for Homeowners

Year-End Tax & Mortgage Planning

1.	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).

2.	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.

3.	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.

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.

Your Mortgage Advisor

My Mortgage Company

Travis Lang — Travis Lang

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