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Mortgage Market Update
Zachary White
Zachary White
Tuesday, October 20, 2026
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Which loan program works for you? |
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Hi there. This week I want to talk about the different paths forward when it comes to choosing a mortgage.
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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
Which loan type fits your situation?
Not all mortgages are the same, and the right loan program for you depends on where you are in your homeownership journey. If you're buying for the first time, you might benefit from a program designed with first-time buyers in mind. If you own and want to tap into equity or lower your payment, other options open up. The program you choose affects your rate, your down payment requirement, and how long you'll be paying. It's worth understanding what's available rather than just taking the first option that comes your way. I'd be happy to walk through the programs that actually match your goals and circumstances. Let's find the right fit for your mortgage.
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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 Zachary White team any time and we'll walk you through your options. |
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