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Mortgage Market Update
My Mortgage Company
Daniel Quinton
Tuesday, October 20, 2026
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Does your credit score match your rate? |
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Hi there—I wanted to touch on something that affects your mortgage more than you might realize: your credit score and how it shapes the terms you get.
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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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Smart Borrowing
What your credit score really costs you
Your credit score isn't just a number—it directly affects the interest rate you'll pay on a mortgage. Lenders use it to assess risk, and the difference between a strong score and a fair one can add up to real money over the life of your loan. The good news: if your score has improved since you last checked, it may be worth a conversation. Even small improvements can move the needle on your rate. And if you're thinking about buying or refinancing soon, understanding where you stand now gives you time to make moves that matter. I'm happy to walk you through what your score means and whether a rate adjustment is in reach for you. Let's talk about where you are today. Reach out and we can review your credit profile and current 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
Daniel Quinton
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