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Mortgage Market Update
Tambra Jenkins / Mortgage Queen
Xpert Home Lending LLC
Wednesday, August 19, 2026
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Picking the right mortgage program matters |
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A Note From Tambra Jenkins / Mortgage Queen
Rates are moving and so are buyers. If you've been sitting on the sideline, now is the time to get your numbers in order. Reply to this email and let's talk.
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Hi there. This week I want to talk about something that often gets overlooked when people compare mortgages.
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National Mortgage Rates · August 13, 2026
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Source: Freddie Mac PMMS & Optimal Blue via FRED
Rates shown are national averages 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
When you're shopping for a mortgage or thinking about refinancing, the interest rate gets all the attention—but the loan program itself matters just as much. Different programs have different rules about down payments, credit requirements, how long you have to pay back the loan, and whether your rate stays fixed or adjusts over time. Some programs are built for first-time buyers. Others reward people with substantial equity. Some make sense if you're planning to stay put for decades; others work better if you might move in a few years. The right program for your neighbor might be all wrong for you. That's why I always recommend we talk through your specific situation before you decide—so you understand not just the rate, but the actual structure of what you're borrowing.
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Tip of the Week
Inspect your attic insulation. Proper insulation reduces heating and cooling costs and can prevent ice dams on your roof.
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Tips for Homeowners
Fall Home Prep: Heating, Safety & Systems
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1.
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Have your heating system serviced before it's needed. A furnace failure in winter is an emergency — routine maintenance costs far less than emergency repairs.
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2.
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Test smoke detectors and carbon monoxide detectors and replace batteries. Carbon monoxide poisoning risk rises when heating systems run more frequently.
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3.
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Drain and shut off exterior faucets and sprinkler systems before the first freeze to prevent burst pipes — one of the most expensive and disruptive homeowner emergencies.
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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 Tambra Jenkins / Mortgage Queen team any time and we'll walk you through your options. |
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9164104430 | hhtps://tjmortgagequeen.com
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