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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's changed since you got your mortgage? |
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Hi there. I've been thinking about how much can shift in a person's life—and how rarely we stop to ask whether our mortgage still fits.
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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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Affordability Check
When your budget shifts, your mortgage options might too
Life changes fast. A job move, a raise, new expenses, or a change in family circumstances can all shift what you can comfortably afford each month. The good news: your mortgage situation isn't set in stone. If your finances have improved, you might have refinancing options that lower your payment or shorten your loan term. If things have gotten tighter, there may be programs worth exploring. The key is checking in with someone who knows your full picture—not just your rate, but your actual cash flow and goals. I'm here to help you figure out whether your current loan still makes sense for where you are now. Let's talk about whether a change might work in your favor.
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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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