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Mortgage Market Update
My Mortgage Company
The Samuels Team Powered By Mpire Financial
Tuesday, October 20, 2026
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The mortgage you get matters |
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Hi there. This week I want to talk about something that often gets overlooked: the type of loan you choose can be just as important as the rate itself.
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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
Not all mortgages are built the same
One thing I've noticed over the years is that borrowers often think a mortgage is a mortgage—but the truth is, you have real choices that can shape your financial life for years to come. Some loans let you build equity faster. Others give you flexibility if your life changes. A few come with built-in protection if rates drop. The right program for you depends on your timeline, how long you plan to stay in your home, and what matters most to your monthly budget. If you've never talked through your options beyond what you were offered, it's worth a conversation. I can walk you through what's actually available and what each one means for you. Let's find out which loan structure makes the most sense for your situation.
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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
The Samuels Team Powered By Mpire Financial
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