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Sunday, November 1, 2026 |
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A Note From Aaron Page
My Purpose is to provide....Low Rates, Expert Consultation, and a Simple Process. Share with someone who could use my help.
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Mortgage Market Update
Wondering if refinancing is worth it?
Some weeks I field a lot of questions about refinancing. It's a smart instinct to explore, but the decision shouldn't be based on emotion—just the facts.
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National Mortgage Rates · October 29, 2026
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Conventional 30-Year
6.77%
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Source: Optimal Blue daily mortgage indices via FRED · Includes our pricing adjustment
Rates shown are national mortgage index rates plus our pricing adjustment, 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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Refinancing Basics
Should you refinance? Here's how to tell.
Refinancing isn't right for everyone, and it's not something you need to decide based on a gut feeling. The real question is whether the numbers make sense for your situation. When rates drop, your monthly payment could go down. When your credit improves, you might qualify for better terms. When your home gains value, you may open up new loan options. But refinancing also means closing costs and a new loan timeline. Before you move forward, it helps to map out how long you'd need to stay in the home for a refi to pay for itself. I'm here to walk through the math with you and show you whether it pencils out. Let's talk through whether refinancing makes sense for your home and goals.
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Tip of the Week
Refinancing resets your amortization clock. If you're 10 years into a 30-year loan, consider a shorter term to avoid paying more total interest.
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Tips for Homeowners
Co-Signing a Mortgage: What You're Really Agreeing To
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Co-signing makes you equally responsible for the debt. If the primary borrower misses payments, your credit score takes the same hit and the lender can pursue you for the full balance.
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2.
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The co-signed mortgage debt appears on your credit report and counts toward your DTI. This can limit your ability to qualify for your own financing until the loan is paid off or refinanced out of your name.
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3.
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There's no automatic way to remove yourself as a co-signer — the primary borrower must refinance the loan in their name alone. Get this understanding in writing before you sign.
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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 Aaron Page team any time and we'll walk you through your options.
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512.924.3138
Texas Mortgage Associates · Unsubscribe
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