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Mortgage Market Update
Kristen Williams
Kristen Williams
Tuesday, October 20, 2026
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When comparing lenders, here's what matters most |
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Most borrowers work with just one lender without realizing what they might be leaving on the table. Here's what you should know about the value of comparison.
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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 Shopping
Why it pays to talk to more than one lender
When you're ready to buy or refinance, shopping around isn't just smart—it's often the difference between a loan that works for you and one that doesn't. Different lenders have different strengths: some excel with first-time buyers, others with jumbo loans or self-employed borrowers. Beyond programs, the details matter too. Fees, flexibility, and how a lender works with your specific situation can vary meaningfully. A conversation with me isn't a commitment; it's a way to see what's actually available to you. Most borrowers are surprised by how much latitude they have once they understand their options. Let's talk about what loan program and terms make 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 Kristen Williams team any time and we'll walk you through your options. |
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