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Mortgage Market Update
My Mortgage Company
Kristina Graham
Tuesday, October 20, 2026
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Different borrowers, different loan options |
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When you're looking at mortgages, it's easy to assume everyone's in the same boat. The truth is more interesting than that.
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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
Why your neighbor's mortgage might work differently than yours
Not all mortgages are built the same way. Some borrowers qualify for programs that others don't—based on credit profile, down payment size, property type, or life situation. A first-time buyer might have access to grants or lower-down-payment options. A self-employed homeowner might need a different documentation path. Someone with a shorter credit history could still find a solid program designed for them. The loan that makes sense for one person might not be the right fit for another, and that's actually okay. The goal is finding the program that matches your specific circumstances, not forcing yourself into a generic box. If you're curious whether you're in the right program, or what other options might be available to you, I'd love to walk through it. Let's talk about which programs fit your situation best.
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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
Kristina Graham
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