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Mortgage Market Update
My Mortgage Company
Carli Anderson — Carli Anderson CRM
Tuesday, October 20, 2026
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Your loan options aren't the same as everyone else's |
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One of the hardest parts of buying or refinancing is sorting through all the choices. I'd like to help you figure out what actually makes sense for you.
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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 neighbor's mortgage deal might not work for you
You hear that your coworker got approved with minimal down payment, or your friend locked in a loan with a specific feature, and you wonder if you're missing out. The truth is, loan programs aren't one-size-fits-all. Your credit profile, income situation, property type, and long-term plans all shape which programs actually make sense for you. A loan that's perfect for someone else could carry costs or risks that don't fit your life. That's why it's worth having a real conversation about your specific circumstances—not just comparing rates across the dinner table. If you're curious which programs align with your situation, let's walk through your options together.
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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
Carli Anderson — Carli Anderson CRM
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