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Mortgage Market Update
Lisa Zamora
Lisa Zamora
Tuesday, October 20, 2026
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Different mortgages, different rules |
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Hi there,
I wanted to touch on something that doesn't always get discussed up front — and it should.
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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
Not all mortgages work the same way
When you're shopping for a mortgage or thinking about refinancing, the interest rate gets most of the attention — but the loan program itself matters just as much. Different programs have different rules about down payments, credit requirements, how long you have to pay it back, and whether your rate stays fixed or adjusts over time. The right program for someone else might not be right for you. I work with borrowers on conventional loans, government-backed options, and specialty programs designed for specific situations. Before you assume what you qualify for, it's worth having a real conversation about which program actually fits your financial picture and goals. Let's talk about which loan program makes sense for your situation.
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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 Lisa Zamora team any time and we'll walk you through your options. |
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