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Mortgage Market Update
My Mortgage Company
The Raydiant Team- Edge Home Finance, LLC
Tuesday, October 20, 2026
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Which mortgage fits your life right now? |
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Hi there. Every borrower's situation is different, and the loan program that works for one person might not be the best fit for 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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Loan Programs
Which mortgage program is right for your situation?
Not all mortgages work the same way. Depending on where you are in your homeownership journey, your credit profile, down payment size, and how long you plan to stay in your home, different loan programs can offer real advantages. Some borrowers benefit from fixed-rate loans; others find adjustable-rate mortgages make sense. Government-backed programs exist specifically for first-time buyers or those with modest down payments. The wrong choice can cost you money over time. The right one can mean lower payments, faster equity building, or peace of mind. I'd like to walk you through which programs might align with your goals—no obligation, just clarity on what's actually available to you. Let's find the program that fits your life—reach out and we'll talk through your 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
The Raydiant Team- Edge Home Finance, LLC
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