Mortgage Market Update

My Mortgage Company

Oltin Roshi

Tuesday, October 20, 2026

Your mortgage doesn't have to stay the same

Homeownership isn't one-size-fits-all, and neither is your loan. Here's what you should know about your options.

National Mortgage Rates · October 16, 2026

Conventional 30-Year

7.28%

FHA 30-Year

7.13%

VA 30-Year

6.93%

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.

Loan Programs

What changes when you switch loan types

If you've been in the same mortgage for a while, you might not realize how many options exist now — or how a different loan program could work better for your situation today. Moving from a fixed-rate to an adjustable-rate loan, or vice versa, changes more than just your rate. Your payment structure, long-term costs, risk level, and flexibility all shift. The right choice depends on how long you plan to stay in your home, your comfort with payment changes, and where rates are heading. It's worth understanding what's available to you, especially if life has changed since you first borrowed. I'm happy to walk through how different programs compare and what might make sense for you.

Let's talk about which loan program fits your goals.

Tip of the Week

Your loan officer can run a credit simulator to show exactly which actions will move your score the most.

Tips for Homeowners

Year-End Tax & Mortgage Planning

1.	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).

2.	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.

3.	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.

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.

Your Mortgage Advisor

My Mortgage Company

Oltin Roshi

You are receiving this from Oltin Roshi. Unsubscribe