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Mortgage Market Update
My Mortgage Company
Rowley Mesa
Tuesday, October 20, 2026
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Picking the right loan type for you |
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Different mortgages suit different people. Here's what you should know.
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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 loan type matters more than you think
Not all mortgages work the same way, and the loan program you choose shapes your entire borrowing experience. Some programs offer flexibility if life changes. Others lock in certainty from day one. Some work better if you're planning to stay put; others make sense if you might move or refinance down the road. The right fit depends on your timeline, risk tolerance, and what feels stable to you. I'd rather spend time understanding your situation now than have you feel trapped later. If you're curious whether your current loan is still the best match for where you are today, or if you're shopping and want to know what actually matters when comparing options, let's talk through it together. Reach out and we can walk through which loan type aligns best with your goals.
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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
Rowley Mesa
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