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Mortgage Market Update
Aaron Kozikowski
Wednesday, August 19, 2026
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Should you refinance right now? |
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Markets shift, and so do your options. This week I'm breaking down one of the most common decisions homeowners face.
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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
When a rate drop makes sense for your situation
Not every rate movement means you should refinance. The real question is whether the money you'd save on monthly payments justifies the cost of closing on a new loan. I work through this math with clients all the time, and it's worth understanding where you stand. If rates have moved favorably since you locked in your mortgage, a quick conversation can tell you whether refinancing makes financial sense for your timeline and goals. There's no one-size-fits-all answer, but there's always a clear answer for your specific loan. Reach out anytime—I can walk you through the numbers with no pressure.
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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 Aaron Kozikowski team any time and we'll walk you through your options. |
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