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Mortgage Market Update
My Mortgage Company
Mpire Paid Workflows
Tuesday, October 20, 2026
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Your credit score and your mortgage options |
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Hi there. One question I hear a lot is whether someone is even ready to explore a mortgage. Let me share what actually matters most when we're looking at your application together.
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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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Credit & Borrowing
Your credit score matters more than you think
If you're thinking about buying, refinancing, or just want to understand your options down the road, your credit score is one of the biggest factors lenders look at. A higher score can open doors to better loan programs and terms, while a lower one can limit what's available to you. The good news: credit isn't fixed. Paying bills on time, keeping credit card balances low, and avoiding new debt before a major application can all help. Even small improvements can make a real difference in what you qualify for. I'd love to walk you through where you stand and what moves might help your situation. Let's talk about your credit profile and what it means for your options.
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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
Mpire Paid Workflows
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