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Mortgage Market Update
My Mortgage Company
Craig Scott
Tuesday, October 20, 2026
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What type of loan actually fits you |
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Finding your way through mortgage options can feel overwhelming, but it doesn't have to. I'm here to help you understand what's real and what's just noise.
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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 Program Match
Finding the right loan program for your situation
Not all mortgages are created equal, and the program you choose can shape your entire borrowing experience. Whether you're a first-time buyer, someone with a smaller down payment, a self-employed borrower, or a homeowner looking to refinance, there's usually a loan program designed with your circumstances in mind. The right fit can mean lower rates, simpler qualification, or more flexibility than a standard conventional loan. The wrong one might mean unnecessary costs or a needlessly complicated process. I'd be happy to walk through the options that match your specific situation and explain what each one actually means for you. Reach out and let's talk about which program makes the most sense for where you are right now.
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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
Craig Scott
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