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Mortgage Market Update
My Mortgage Company
Michael Easton — Michael Easton Powered by Edge Home Finance
Tuesday, October 20, 2026
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The mortgage program question worth asking |
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Hi there. This week I want to address something I hear a lot: borrowers who aren't sure whether they picked the right loan program, or who never really understood the options to begin with.
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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
Which mortgage program actually fits your life?
Not all mortgages are built the same, and the one that works for your neighbor might not work for you. Some programs reward stability and long-term planning. Others offer flexibility if your income or plans might shift. Some make sense if you're putting down a larger down payment; others are designed to help when you can't. The right choice depends on your timeline, your risk tolerance, and what matters most to your family over the next few years. If you've never really explored what's available beyond the basics, or if your situation has changed since you last looked, it's worth a conversation. I'm happy to walk you through the options and what each one actually means for your monthly payment and peace of mind. Let's talk about which program might be the best fit for where you are right now.
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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
Michael Easton — Michael Easton Powered by Edge Home Finance
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