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Mortgage Market Update
Anthony Cesarini
Anthony Cesarini
Wednesday, August 19, 2026
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Should you refinance your mortgage? |
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Hi there. This week I want to address a question I hear often: refinancing. Let me break down how to know if it's worth considering.
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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 (and when it doesn't)
Refinancing isn't always the right move, even when rates drop. The math depends on how long you plan to stay in your home, your current loan terms, and what closing costs would be. If you're thinking about selling in a few years, refinancing might not pay for itself. But if you're settled and rates have shifted meaningfully, it could lower your payment or help you build equity faster by shortening your loan term. The best way to know is to run the numbers with someone who can look at your specific situation. That's where I come in. Let's talk through whether it makes sense for you right now. Reach out and we'll walk through the numbers together.
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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 Anthony Cesarini team any time and we'll walk you through your options. |
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Your Mortgage Advisor
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Anthony Cesarini
Anthony Cesarini
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