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Mortgage Market Update
Joe Almeida
Joe Almeida
Wednesday, August 19, 2026
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What's changed for you since we last talked? |
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I work with homeowners in every situation, and one thing I notice is that people often don't realize how much their circumstances — and their options — can shift over time.
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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 Money
Why now is the time to talk about your options
Life changes. Maybe your income has grown, your credit improved, or your home's value shifted. Or maybe you're just ready to explore what's possible. The truth is, your loan situation isn't set in stone — there are often smart moves available to homeowners who take a closer look. Whether that's refinancing to a better rate, tapping into equity for a major project, or simply understanding your next steps, the conversation costs nothing. I'd rather you know what's available than wonder later if you missed an opportunity. If you'd like to review where you stand and what might make sense, I'm here to walk through it with you — no pressure, just honest guidance.
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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 Joe Almeida team any time and we'll walk you through your options. |
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