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Mortgage Market Update
My Mortgage Company
Jared Fuller — Jared Fuller
Tuesday, October 20, 2026
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Picking the right loan type for you |
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Not all mortgages are created equal. The loan type you choose shapes your payments, flexibility, and long-term cost—so it's worth getting it right the first 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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Loan Programs
Which loan type actually fits your situation
Not all mortgages work the same way, and picking the wrong one can cost you thousands over time. Some loans make sense if you're planning to move in five years. Others reward you for staying put. Some protect you if rates spike; others let you build equity faster if you're willing to take on more risk. The right choice depends on your timeline, how stable your income is, and what matters most to you—lower monthly payments or long-term savings. I've worked with borrowers who picked a loan type based on what they thought sounded good, only to realize later it wasn't a match for their real life. That's why it's worth having a conversation about your actual plans before you sign anything. Let's talk through what makes sense for where you're headed. Get in touch, and we'll walk through which loan program aligns with your goals.
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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
Jared Fuller — Jared Fuller
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