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Mortgage Market Update
My Mortgage Company
Case Tripp
Tuesday, October 20, 2026
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Fixed or adjustable—which is right for you? |
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Every mortgage isn't the same, even when the rate is. This week, let's talk about what really sets one loan apart from another.
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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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Mortgage Basics
Why your loan type matters more than you think
When you're shopping for a mortgage, the interest rate gets all the attention—but your loan program deserves just as much focus. Whether you choose a fixed-rate loan, an adjustable-rate option, or something in between, that decision shapes your payments and peace of mind for years. A fixed rate stays the same for the life of your loan. An adjustable rate might start lower but can change over time. Each has real tradeoffs, and the right choice depends on your plans, your risk tolerance, and where rates are headed. I'd rather see you pick the program that fits your life than chase the lowest rate on the wrong product. Let's talk through which loan structure makes sense for your situation—I'm here to walk you through the options.
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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
Case Tripp
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