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Mortgage Market Update
Jason Erickson
Jason Erickson
Tuesday, October 20, 2026
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Which loan works best for you |
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Hi there. Every borrower's situation is different, and the mortgage you choose should reflect that.
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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
Finding the right loan fit for your situation
Not all mortgages work the same way, and the program you choose early on can shape your entire borrowing experience. Some loans offer flexibility if life changes. Others come with built-in protections or lower upfront costs. The best fit depends on your timeline, how long you plan to stay in your home, and what matters most to you financially right now. I'd be happy to walk you through the options and help you understand which makes sense for where you are. Reach out, and we can have a real conversation about what works. Let's talk about which loan program fits your needs.
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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 Jason Erickson team any time and we'll walk you through your options. |
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