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Mortgage Market Update
Anthony Yousif
Anthony Yousif
Tuesday, October 20, 2026
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Your finances may have changed more than you realize |
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Hello! As a homeowner, your financial life doesn't stand still. Here's why a quick review might be worth your time.
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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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Affordability Check
What changed in your mortgage math since you bought?
If you bought a home a few years ago, your financial picture has probably shifted—maybe your income grew, your credit improved, or you paid down other debts. Those changes can matter more than you think. A stronger financial position might open doors to better loan terms, lower payments through refinancing, or even the ability to access your home's equity for major expenses. The opposite is also true: if things have gotten tighter, knowing that early lets us explore programs designed to help. Either way, it's worth a conversation to see where you actually stand today versus where you stood when you first signed. Let's take a fresh look at your situation—no obligation, no pressure.
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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 Anthony Yousif team any time and we'll walk you through your options. |
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