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Mortgage Market Update
Cyndi Delcid
Cyndi Delcid
Tuesday, October 20, 2026
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Loan programs aren't one-size-fits-all |
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Not every mortgage is the same, and that's actually good news for you. This week I want to talk about loan options and why the right fit matters.
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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
Different loans for different situations
Not all mortgages are created equal, and the right loan for your neighbor might not be the right one for you. Whether you're a first-time buyer, self-employed, have a lower credit score, or just want the flexibility of an adjustable rate, there are loan programs designed with your situation in mind. The program that works depends on your timeline, risk tolerance, down payment, and long-term plans. I see borrowers miss out simply because they assume they only qualify for one type of loan—or they don't realize options exist. Understanding what's available to you is the first step to making a smart decision. Let's talk about which program might be the best fit for where you are today. Reach out and we can walk through which loan program makes the most sense for your circumstances.
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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 Cyndi Delcid team any time and we'll walk you through your options. |
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