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Mortgage Market Update
Sadaf Sultan
Sadaf Sultan
Wednesday, August 19, 2026
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Does your loan deserve a second look? |
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Hi there. Sometimes the best financial moves aren't the obvious ones. This week I want to talk about refinancing — specifically, how to know when it's actually worth doing.
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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 Strategy
When refinancing makes sense (and when it doesn't)
Refinancing isn't always the right move, even when rates look good. The key is understanding your break-even point — how long it takes for your monthly savings to cover closing costs. If you're planning to stay in your home long enough to reach that point, refinancing can put real money back in your pocket. But if you might sell or move within a few years, the math often doesn't work in your favor. I see borrowers make smart refinancing decisions when they have a clear timeline and honest answers about their plans. Want to know if a refi makes sense for your situation? Let's run the numbers together. Reach out and we can explore whether refinancing is worth your time and money right now.
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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 Sadaf Sultan team any time and we'll walk you through your options. |
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