Mortgage Market Update

Roberto Pineiro

Tuesday, October 20, 2026

Picking the right mortgage program

Not every loan option is designed the same way. Here's why that matters to you.

National Mortgage Rates · October 16, 2026

Conventional 30-Year

7.28%

FHA 30-Year

7.13%

VA 30-Year

6.93%

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.

Loan Programs

Not all mortgages work the same way

When you're ready to buy or refinance, you'll hear terms like fixed-rate, adjustable-rate, FHA, conventional, and VA. They're not just different names—they're built differently, with different rules about down payments, interest rates, and how your payment works over time. The right program for you depends on your situation: how long you plan to stay, how much you have saved, your credit profile, and what you're comfortable with. I help borrowers match the right loan to their real life, not just chase the lowest number on a rate sheet. Let's talk about what makes sense for where you are right now.

Reach out and we can walk through which program fits your goals.

Tip of the Week

Your loan officer can run a credit simulator to show exactly which actions will move your score the most.

Tips for Homeowners

Year-End Tax & Mortgage Planning

1.	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).

2.	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.

3.	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.

Have questions about how any of this affects your mortgage or home purchase? We're here to help — reach out to the Roberto Pineiro team any time and we'll walk you through your options.

Your Mortgage Advisor

Roberto Pineiro

roberto@hshfinancing.com

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