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Mortgage Market Update
Brandy Harris
Brandy Harris
Tuesday, October 20, 2026
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Which loan type actually works for you |
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Every homebuyer and homeowner has different priorities. This week, I'm thinking about how to match the right mortgage to the right person.
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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 Program Fit
Finding the mortgage that matches your life
Not every loan program works the same way for every person. Some borrowers do better with a fixed rate that never changes. Others benefit from starting lower and adjusting later. Some have room to put down more money upfront; others need to keep cash on hand. The right choice depends on your timeline, your comfort with change, and what matters most to your household's budget. That's why I always ask questions before recommending a program—because a great loan for your neighbor might not be the best fit for you. If you're curious whether your current loan is still the right one, or if you're shopping for a home and not sure where to start, I'd like to walk through the options with you. Reach out and let's talk through which 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 Brandy Harris team any time and we'll walk you through your options. |
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