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Mortgage Market Update
Jeff Naylor
Naylor Home Loans powered by Barrett Financial Group
Wednesday, August 19, 2026
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Picking the right loan type for you |
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Hi there. We've been talking a lot about equity and refinancing lately, but the foundation of it all starts with choosing the right loan to begin with.
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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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Smart Moves
Why your loan type matters more than you think
Not all mortgages work the same way, and the one that's right for you depends on your plans and comfort level. Some borrowers lock in a rate for 30 years and never look back. Others choose a shorter timeline to build equity faster. Some refinance when circumstances change. The loan program you pick shapes how much you pay over time and what flexibility you have later. Before you commit, it's worth understanding your options—fixed vs. adjustable, different term lengths, programs designed for first-time buyers or specific situations. The right choice isn't about what your neighbor chose; it's about what aligns with your financial goals and life timeline.
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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 Jeff Naylor team any time and we'll walk you through your options. |
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4800 NW Camas Meadows Drive Ste 260, Camas, WA 98607
503-358-6551 | www.naylorhomeloans.com
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