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Mortgage Market Update
Jason Stroder
Evolve Capital Lending
Wednesday, August 19, 2026
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Does refinancing make sense right now? |
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Hi there. I wanted to touch base on something I hear about a lot: whether it's worth refinancing your current loan.
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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 Basics
When does refinancing actually make sense?
Refinancing isn't always the right move, even when rates drop. The math depends on how long you plan to stay in your home, what your current rate is, and what closing costs will run you. Sometimes a lower rate saves you thousands over time. Other times, you'll break even in a few years and then move on—which is fine if that's your timeline. I help borrowers run the real numbers, not just chase a lower rate on paper. If you've been thinking about it, now's a good time to talk through whether it actually pencils out for your situation. Reach out and we can walk through your specific numbers together.
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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 Jason Stroder team any time and we'll walk you through your options. |
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