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Mortgage Market Update
Yoriz Flores
Yoriz Flores
Wednesday, August 19, 2026
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Should you refinance? A simple way to tell |
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Hi there. This week I want to touch on a question I hear pretty often: is now a good time to refinance?
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National Mortgage Rates · August 13, 2026
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Source: Freddie Mac PMMS & Optimal Blue via FRED
Rates shown are national averages 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
When refinancing actually makes sense
A lot of homeowners wonder if they should refinance, but the real question is whether the numbers work for your situation. Refinancing isn't always the right move—sometimes your current loan is doing exactly what you need it to do. What matters is understanding your own timeline, how long you plan to stay in your home, and what you'd actually save over time. If you've been thinking about it but weren't sure where to start, I'm happy to walk through the details with you, no pressure. A simple conversation can help clarify whether it's worth exploring. Reach out if you'd like to talk through whether refinancing fits your goals.
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Tip of the Week
Inspect your attic insulation. Proper insulation reduces heating and cooling costs and can prevent ice dams on your roof.
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Tips for Homeowners
Fall Home Prep: Heating, Safety & Systems
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1.
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Have your heating system serviced before it's needed. A furnace failure in winter is an emergency — routine maintenance costs far less than emergency repairs.
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2.
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Test smoke detectors and carbon monoxide detectors and replace batteries. Carbon monoxide poisoning risk rises when heating systems run more frequently.
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3.
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Drain and shut off exterior faucets and sprinkler systems before the first freeze to prevent burst pipes — one of the most expensive and disruptive homeowner emergencies.
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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 Yoriz Flores team any time and we'll walk you through your options. |
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