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Mortgage Market Update
Aaron Kapp Kapp
Aaron Kapp
Wednesday, August 19, 2026
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Your mortgage type matters more than you think |
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Hi there. This week I want to focus on something that shapes your monthly payment and long-term costs: the type of loan you have.
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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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Loan Programs
What your loan type says about your payment
Not all mortgages work the same way. Whether you have a fixed-rate loan, an adjustable-rate mortgage, or something in between, your loan structure directly affects what you pay each month and over time. Understanding what you're locked into—or what might adjust—helps you make smarter decisions about your home and your finances. If you're wondering whether your current loan is still the right fit, or if you're curious what options exist for your next move, I'm here to walk you through it. Let's talk about what makes sense for your situation. Reach out this week and we can review your loan details together.
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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 Kapp Kapp team any time and we'll walk you through your options. |
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