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Mortgage Market Update
My Mortgage Company
Sean Rigsby
Tuesday, October 20, 2026
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The mortgage program question you should ask |
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Every borrower's situation is different, and so are the tools available to you. This week I'm breaking down why loan programs matter.
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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
Why your neighbor's mortgage might work differently than yours
Not all mortgages are created equal—and that's actually good news for you. Depending on your situation, you might qualify for a loan program that offers terms, flexibility, or benefits that don't exist in others. First-time buyers have different options than repeat buyers. Self-employed borrowers have paths that W-2 employees might not. Even your credit score and down payment size can open or close certain doors. The right program isn't always the most common one—it's the one that fits your life and goals. If you've never explored what you actually qualify for beyond a standard conventional loan, it's worth a conversation. I'd like to help you understand what's really available to you. Let's talk about which loan program might be the best fit for your situation.
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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
Sean Rigsby
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