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Mortgage Market Update
My Mortgage Company
Lexi Blackwell
Tuesday, October 20, 2026
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Your mortgage might have outgrown you |
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Hi there. Changes in your life often mean changes in your home financing needs, and that's worth a look.
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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
When a different loan type makes sense
Most of us think about mortgages as one thing, but there's actually a range of programs designed for different situations. If your circumstances have shifted—your income is steadier now, you're planning to stay put longer, or your credit picture has improved—the loan that made sense five years ago might not be your best fit today. A conversation about what's available can uncover options you might not have considered. I've seen borrowers find real relief by switching to a program that aligns better with where they are now. Let's talk about whether your current loan is still working for you.
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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
Lexi Blackwell
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