Mortgage Market Update

My Mortgage Company

Sean Price — Sean Price Lending Group

Tuesday, October 20, 2026

Why your current loan may not be your only option

Hi there. This week I want to touch on something that comes up a lot: borrowers don't always realize how much their loan choice affects their timeline, flexibility, and costs.

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 Basics

Why your loan type matters more than you think

Not all mortgages work the same way, and the one that's right for you depends on your situation, not just what's available. Some loans let you build equity faster. Others offer flexibility if life changes. Some come with requirements around down payment, credit, or property type—and understanding those limits upfront saves you time and frustration.

If you're shopping for a home, already own one, or thinking about your next move, it's worth knowing which loan programs actually fit your circumstances. I can walk you through the real differences and help you narrow down what makes sense for your goals.

Let's talk about which loan program might work best for you.

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

Sean Price — Sean Price Lending Group

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