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Mortgage Market Update
My Mortgage Company
Shane Braninburg — Shane Braninburg
Wednesday, August 19, 2026
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Does refinancing make sense for your home? |
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Hi there. This week I wanted to touch on a question that comes up a lot — and the answer is rarely one-size-fits-all.
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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
I talk to homeowners regularly who wonder if refinancing could work for them. The truth is, it depends on your specific situation — how long you plan to stay in your home, what your current rate is, and what's available to you now. Some people refinance to lower their monthly payment. Others use it to shorten their loan term or tap into equity for a major expense. The key is understanding your own goals before you reach out. I'm happy to walk through the numbers with you — no obligation, just clarity. That's how you'll know if it makes sense for your wallet. Let's talk through whether refinancing could work for you right now.
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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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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 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
Shane Braninburg — Shane Braninburg
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