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Mortgage Market Update
Kristen Williams
Kristen Williams
Wednesday, August 19, 2026
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Does refinancing actually work for you? |
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There's a lot of noise out there about refinancing. I want to cut through it and help you figure out if it's the right move for you right now.
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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 Strategy
When refinancing makes sense (and when it doesn't)
Refinancing isn't always the right move, even when rates drop or your situation changes. The real question isn't whether you can refinance—it's whether the benefits outweigh the costs and time involved. I often talk with homeowners who've built solid equity or seen their credit improve, and we map out whether tapping into that value or lowering a payment actually moves them closer to their goals. Sometimes the answer is yes; sometimes it's better to stay put. Either way, it's worth an honest conversation about your timeline, what you're trying to accomplish, and what the real numbers look like. I'm here to walk through the math with you, no pressure. Let's talk through whether a refinance makes sense for your situation.
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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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1.
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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 Kristen Williams team any time and we'll walk you through your options. |
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