Mortgage Market Update

My Mortgage Company

Charlie Flohr

Tuesday, October 20, 2026

Which mortgage program makes sense for you?

There are more options out there than you might think—and picking the right one makes a real difference.

National Mortgage Rates · October 16, 2026

Conventional 30-Year

7.28%

FHA 30-Year

7.13%

VA 30-Year

6.93%

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.

Loan Programs

Not all mortgages work the same way

If you're shopping for a home or thinking about refinancing, you've probably heard terms like fixed-rate, adjustable-rate, FHA, conventional, and jumbo thrown around. The program you choose affects more than just your interest rate—it shapes your payment stability, upfront costs, and how long you stay in the loan. Some programs work better for buyers with smaller down payments. Others make sense if you're planning to stay in your home for decades. And some offer flexibility if your situation might change. There's no one-size-fits-all answer, which is why it's worth talking through your actual timeline and comfort level before you commit. I'm here to walk you through what each option really means for you.

Let's talk about which program fits your situation best.

Tip of the Week

Your loan officer can run a credit simulator to show exactly which actions will move your score the most.

Tips for Homeowners

Year-End Tax & Mortgage Planning

1.	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).

2.	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.

3.	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.

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.

Your Mortgage Advisor

My Mortgage Company

Charlie Flohr

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