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Mortgage Market Update
My Mortgage Company
Paulo Maria
Tuesday, October 20, 2026
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Your income went up—did your mortgage? |
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When life improves financially, your home financing might deserve a second look.
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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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Affordability Check
When your income changes, your options do too
Life happens—you get a raise, change jobs, or pick up side income. What you might not realize is that a boost to your earnings can open doors with your mortgage. Whether that means refinancing to better terms, tapping into equity you've built, or finally qualifying for something that wasn't possible before, your financial picture today may be very different from last year. The tricky part is knowing which moves make sense for your situation. A quick conversation can help you understand what's actually available to you now, and whether any of it makes dollars-and-cents sense. I'm here to walk through the options without pressure—just honest guidance on what might work. Reach out if you'd like to see what's changed in your mortgage picture since we last talked.
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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
Paulo Maria
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