Mortgage Market Update

My Mortgage Company

Ascent Mortgage Partners

Tuesday, October 20, 2026

You might qualify for more than you think

One of the biggest myths I hear is that there's only one way to get a mortgage. The truth is simpler—and better news for most borrowers.

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

Not all mortgages are built the same

When you're ready to buy or refinance, you have real options. Different loan programs—conventional, FHA, VA, USDA, and others—come with different down payment requirements, credit flexibility, and approval paths. What works for your neighbor might not work for you, and that's okay. The right program for your situation can make homeownership more accessible than you think. I've seen borrowers surprised to learn they qualify for something better than they expected. A quick conversation about your specific circumstances—income, credit, down payment, property type—helps us find the program that fits. Let's talk about what's actually available to you.

Reach out and we can explore which loan program makes the most sense for your goals.

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

Ascent Mortgage Partners

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