Mortgage Market Update

My Mortgage Company

Ruslan Kushnir

Tuesday, October 20, 2026

The loan type you pick matters

There's more to picking a mortgage than comparing rates. Today I want to explain why the type of loan you choose is just as important to your financial picture.

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

Why your loan option matters more than you think

When you're shopping for a mortgage, it's easy to focus only on the interest rate. But the type of loan you choose—fixed, adjustable, conventional, FHA, VA, or USDA—shapes your entire borrowing experience. Each program has different rules about down payments, credit requirements, and how your payment behaves over time. The right fit for your situation might look completely different from what works for your neighbor. I've seen borrowers save thousands by choosing a program that matched their plans and comfort level, not just the one with the lowest starting number. If you're curious whether you're in the best loan for your goals, let's walk through your options together.

Reach out if you'd like to talk through which loan program might work best for you.

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 My Mortgage Company team any time and we'll walk you through your options.

Your Mortgage Advisor

My Mortgage Company

Ruslan Kushnir

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