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Mortgage Market Update
My Mortgage Company
Ed Zuleger — Civix Project
Wednesday, August 19, 2026
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Does refinancing make sense right now? |
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Every homeowner's situation is different, and that goes for refinancing too. Let me break down when it might be worth a closer look.
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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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Refinancing Basics
When refinancing makes sense for your situation
Refinancing isn't one-size-fits-all, but it's worth understanding when it might work for you. Some borrowers refinance to lower their monthly payment, others to shorten their loan term or tap into home equity for major expenses. The key is looking at your whole picture—how long you plan to stay in your home, what your current loan terms are, and what your goals are right now. If you've been wondering whether refinancing could help, I'd be happy to walk through your specific circumstances with you, no pressure. There's no obligation to move forward; sometimes it just helps to know what's actually possible. Reach out if you'd like to explore what refinancing might look like for you.
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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 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
Ed Zuleger — Civix Project
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