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Mortgage Market Update
James S Boggs
James S Boggs
Wednesday, August 19, 2026
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What type of loan should you consider? |
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There's a lot to think about when you're financing a home. This week, I want to help you understand the different paths available to you.
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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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Loan Programs
Which loan type fits your situation?
Not all mortgages are created equal, and the right program for you depends on your timeline, risk tolerance, and financial picture. A 30-year fixed loan offers predictable payments and stability. An adjustable-rate mortgage might start lower but can change over time. FHA, VA, USDA, and conventional loans each have different requirements and benefits. Understanding which one aligns with your goals—whether you're buying your first home, refinancing, or planning to stay put for decades—makes a real difference in your long-term costs and peace of mind. I'm happy to walk you through the options that make the most sense for where you are right now.
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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 James S Boggs team any time and we'll walk you through your options. |
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2701 East Insight Way, Suite 150, Chandler, AZ 85286
210-378-5189 | https://www.barrettfinancial.com/jboggs
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