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Mortgage Market Update
Travis Buis
Travis Buis
Tuesday, October 20, 2026
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Is your mortgage still comfortable? |
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Hi there. Sometimes the smartest money move isn't about rates or timing — it's about making sure your loan actually fits your life right now.
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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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Affordability Reset
When your budget needs a second look
Life changes fast. Maybe your income shifted, your family grew, or unexpected expenses popped up. The budget that made sense when you first bought your home might not fit anymore. That's normal — and it's worth revisiting. Sometimes a loan adjustment or refinance can free up breathing room in your monthly budget. Other times, it's just about understanding where you actually stand right now versus where you thought you'd be. Either way, it starts with an honest conversation about what your finances look like today. If you're feeling stretched or wondering whether your current mortgage is still the right fit, I'd like to help you figure that out. There's no judgment here — just clarity. Let's talk about whether your current loan still works for your life.
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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 Travis Buis team any time and we'll walk you through your options. |
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