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Mortgage Market Update
Lisa Zamora
Lisa Zamora
Wednesday, August 19, 2026
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Should you refinance right now? |
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Rates are always moving, and so are people's circumstances. This week I want to talk about one of the most important decisions a homeowner faces.
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National Mortgage Rates · August 13, 2026
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Source: Freddie Mac PMMS & Optimal Blue via FRED
Rates shown are national averages 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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Refinancing Basics
When refinancing makes sense for your situation
Refinancing isn't one-size-fits-all, and it's not always the right move—even when rates shift. The question to ask yourself is simple: will the monthly savings or new terms justify the cost and time involved? Sometimes a lower payment matters more than rate; sometimes you're looking to shorten your loan term or tap equity for a major expense. The math works differently for everyone depending on how long you plan to stay in your home, your current loan balance, and what you're trying to achieve. I'm here to walk through the numbers with you and help you decide if it makes sense right now. Reach out anytime—I can show you whether refinancing pencils out for your specific situation.
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Tip of the Week
Inspect your attic insulation. Proper insulation reduces heating and cooling costs and can prevent ice dams on your roof.
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Tips for Homeowners
Fall Home Prep: Heating, Safety & Systems
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1.
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Have your heating system serviced before it's needed. A furnace failure in winter is an emergency — routine maintenance costs far less than emergency repairs.
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2.
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Test smoke detectors and carbon monoxide detectors and replace batteries. Carbon monoxide poisoning risk rises when heating systems run more frequently.
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3.
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Drain and shut off exterior faucets and sprinkler systems before the first freeze to prevent burst pipes — one of the most expensive and disruptive homeowner emergencies.
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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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