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Mortgage Market Update
My Mortgage Company
Eric Goldstein
Tuesday, October 20, 2026
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What type of mortgage do you actually have? |
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Most people know their interest rate. Fewer know whether their loan structure is still the right choice.
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National Mortgage Rates · October 16, 2026
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Conventional 30-Year
7.28%
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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.
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Loan Programs
Why your loan type matters more than you think
Not all mortgages are created equal. Whether you're locked into a fixed rate, adjusting with the market, or somewhere in between, your loan structure shapes how your payment behaves over time and how much flexibility you have down the road. Understanding what you have—or what might work better for your situation—can mean real peace of mind. Some programs offer built-in options to refinance or adjust terms without starting from scratch. Others lock you in completely, which is exactly what some borrowers want. The right fit depends on your timeline, risk tolerance, and financial goals. I'd love to walk through what you currently have and whether it still serves you well. Let's talk about whether your loan type is working for your life right now.
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Tip of the Week
Your loan officer can run a credit simulator to show exactly which actions will move your score the most.
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Tips for Homeowners
Year-End Tax & Mortgage Planning
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1.
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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).
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2.
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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.
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3.
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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.
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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 My Mortgage Company team any time and we'll walk you through your options. |
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Your Mortgage Advisor
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My Mortgage Company
Eric Goldstein
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