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Mortgage Market Update
My Mortgage Company
Jessica Portillo — Jessica Portillo
Tuesday, October 20, 2026
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Finding the right loan fit for your life |
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There's no one-size-fits-all mortgage, and that's actually good news. It means we can build something that works for you specifically.
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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
Your loan type should match your timeline
One of the biggest decisions in your mortgage isn't just how much to borrow—it's what kind of loan makes sense for where you are in life. Some borrowers do best with a fixed rate that never changes. Others benefit from programs designed for first-time buyers, or loans that let you put down less upfront. The right choice depends on how long you plan to stay in your home, what your cash flow looks like now and later, and what gives you peace of mind. I've seen people stress over rates when the real issue was they picked a program that didn't fit their actual situation. Getting this right early saves regret later. Let's talk about which loan structure actually works for your life. Reach out and we can walk through which program makes sense for 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 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
Jessica Portillo — Jessica Portillo
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