Picking the right mortgage type for you

Every mortgage serves a purpose, but not every mortgage serves the same purpose. This week I want to walk you through how to think about loan programs.

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

What type of loan actually fits your life?

Not all mortgages are created equal, and the right loan for your neighbor might be the wrong one for you. Some borrowers benefit from fixed rates that never change. Others find adjustable-rate loans make sense if they plan to move or refinance down the road. Then there are specialized programs—FHA, VA, USDA—each designed with different borrowers in mind. The key is matching your loan to your actual plans, your timeline, and your comfort level with uncertainty. I help clients think through these trade-offs every week, and it's often the difference between a mortgage that feels right and one that becomes a source of stress. If you've wondered whether you're in the best loan for your situation, or you're not even sure what options exist for you, let's talk through it.

Reach out and we can explore which loan program might work best for your goals.

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 Keivon Behnamzad team any time and we'll walk you through your options.

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