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Mortgage Market Update
My Mortgage Company
Kailey Pukini
Tuesday, October 20, 2026
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Loan programs that fit your life |
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Not all mortgages are created equal. Here's why the right program matters.
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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
When a standard mortgage isn't your best fit
Not every borrower needs the same loan structure. Depending on your situation—whether you're self-employed, have irregular income, are a first-time buyer, or have a unique property—there may be a loan program designed to work better for you than the conventional path. Some programs are more flexible with income documentation, down payments, or credit history. Others help you build equity faster or lower your monthly costs. The right fit isn't always obvious, which is why it's worth having a conversation about what you're trying to accomplish and what obstacles you're running into. I can walk you through options that match your actual life, not just the textbook scenario. Let's talk about which program might work best for your situation.
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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
Kailey Pukini
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