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Mortgage Market Update
My Mortgage Company
Julio C Quintana — Julio C Quintana
Tuesday, October 20, 2026
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What your credit score really controls |
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Hi there,
I wanted to touch on something that comes up in almost every mortgage conversation: credit.
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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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Debt & Borrowing
Why your credit score matters more than you think
Your credit score isn't just a number—it's one of the biggest factors that determines whether you can borrow, how much you can borrow, and what you'll pay. When you apply for a mortgage, lenders use your credit history to assess risk. A higher score generally opens doors to better loan options and more favorable terms. Even small improvements to your score can make a real difference over the life of a loan. If you're thinking about buying soon or refinancing, now's a good time to review your credit report for errors and understand where you stand. I'm happy to walk you through what lenders see and what it means for your options. If you'd like to discuss how your credit profile might affect your mortgage, let's connect.
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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
Julio C Quintana — Julio C Quintana
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