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Mortgage Market Update
Cassidi Succarotte
Cassidi Succarotte
Tuesday, October 20, 2026
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Fixed vs. adjustable: which fits your situation? |
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Understanding your loan options helps you choose with confidence. Let's break down what you're really getting when you pick one structure over another.
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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 Program Fit
Fixed or adjustable? Know what you're signing up for.
When you're comparing loan offers, the interest rate gets all the attention—but the loan structure underneath matters just as much. A fixed-rate loan keeps the same rate and payment for the life of the loan, which means predictability and peace of mind. An adjustable-rate loan might start lower, but the rate can change after an initial period, which could raise your payment later. Neither is right or wrong; it depends on your plans, risk tolerance, and how long you expect to stay in the home. Understanding which structure fits your life helps you make a decision you'll feel good about for years to come. I'd be happy to walk through how each would work for your situation. Let's talk about which loan structure makes sense for you.
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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 Cassidi Succarotte team any time and we'll walk you through your options. |
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