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Mortgage Market Update
My Mortgage Company
Nolan Kitkoski
Tuesday, October 20, 2026
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Choosing the right mortgage type |
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Hi there. Not every mortgage is built the same, and that matters more than you might think.
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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
Not all mortgages work the same way
One of the biggest decisions you'll make isn't just about the interest rate—it's about which type of loan fits your situation. Some people thrive with a fixed rate that never changes. Others benefit from different structures that match how long they plan to stay in the home. Program choices affect your monthly payment, long-term costs, and peace of mind. The right fit depends on your timeline, risk tolerance, and financial picture. I'd love to walk you through what's available and what makes sense for you specifically. Let's talk about which loan program aligns 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
Nolan Kitkoski
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