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Mortgage Market Update
Dusty Feller
Dusty Feller
Wednesday, August 19, 2026
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Does refinancing make sense for you? |
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Refinancing gets a lot of attention, but it's not a one-size-fits-all solution. Here's what you should actually consider.
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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 actually makes sense
Refinancing isn't always the right move—it depends on your goals, how long you plan to stay, and what the numbers actually show. Some people refinance to lower their rate or shorten their loan term. Others tap equity to consolidate debt or fund a renovation. The key is understanding your break-even point: if you're planning to move in a few years, the closing costs might not pay for themselves. I help borrowers run the real math, not the optimistic version. If you've been wondering whether now is the right time for you, that's exactly what I'm here to talk through. Let's look at your situation and see if refinancing could work in your favor.
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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 Dusty Feller team any time and we'll walk you through your options. |
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