Mortgage Market Update

My Mortgage Company

Travis Lang — Travis Lang

Tuesday, October 20, 2026

Your loan options might have changed

Hi there, Sometimes the best opportunity is hiding in a program you haven't considered yet.

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

The program you qualify for might surprise you

If you haven't looked at your loan options in a while, it's worth revisiting. Market conditions shift, your financial picture changes, and new programs become available. What made sense two years ago might not be your best fit today—or vice versa. A conventional loan, FHA, VA, or USDA program each have different rules around credit, down payment, and what you can borrow. The right choice depends on your specific situation, not on what worked for someone else. That's why I always recommend a fresh conversation before you decide. Let me walk you through what's actually available to you right now.

Reach out if you'd like to explore what programs you might qualify for.

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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