Mortgage Market Update

Aaron Kozikowski

Tuesday, October 20, 2026

Why your loan type matters more than you think

Not all mortgages are built the same. Here's why choosing the right one for you makes a real difference.

National Mortgage Rates · October 16, 2026

Conventional 30-Year

7.28%

FHA 30-Year

7.13%

VA 30-Year

6.93%

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.

Loan Programs

Not all mortgages work the same way

If you've been shopping around or just curious about your options, you've probably heard terms like fixed-rate, adjustable-rate, FHA, VA, or conventional thrown around. Each one has a different structure, different requirements, and different trade-offs. What works for your neighbor might not be the best fit for you—and that's completely normal. The right choice depends on your timeline, credit profile, how much you're putting down, and what kind of payment predictability matters to you. If you're not sure which loan type actually makes sense for your situation, it's worth having a real conversation about it. I'm here to walk you through the differences and help you understand what you'd actually qualify for.

Let's talk about which loan program fits your goals.

Tip of the Week

Your loan officer can run a credit simulator to show exactly which actions will move your score the most.

Tips for Homeowners

Year-End Tax & Mortgage Planning

1.	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).

2.	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.

3.	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.

Have questions about how any of this affects your mortgage or home purchase? We're here to help — reach out to the Aaron Kozikowski team any time and we'll walk you through your options.

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