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Mortgage Market Update
My Mortgage Company
Robbie Keach
Tuesday, October 20, 2026
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Which loan program fits you best? |
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Everyone's mortgage journey is different, and so are the tools available to fund a home. This week I want to walk you through why loan type matters.
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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
Finding the right loan type for your situation
Not all mortgages are built the same, and the right loan for your neighbor might not be right for you. Some programs work better if you're planning to stay put for decades. Others make sense if you expect life changes ahead. A few are designed specifically for first-time buyers or those with less-than-perfect credit. The type of loan you choose affects your rate, your payment, and how much flexibility you have down the road. It's worth understanding what's available and which one actually fits your goals—not just what sounds familiar. If you'd like to talk through which program might make the most sense for where you are now, I'm here to help you sort through the options. Let's find the loan program that works best for your situation.
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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
Robbie Keach
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