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Mortgage Market Update
Aaron Kapp
Aaron Kapp
Wednesday, October 21, 2026
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The right loan program for your situation |
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Hi there. This week I want to talk about something that often gets overlooked: the mortgage program itself.
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National Mortgage Rates · October 20, 2026
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Conventional 30-Year
7.33%
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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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Loan Programs
Not all mortgages work the same way
One of the biggest mistakes I see is borrowers picking a loan program because a friend used it, or because they heard it was 'standard.' The truth is, your situation is different from anyone else's—and the program you choose shapes your costs, your flexibility, and your peace of mind for years to come. A fixed-rate loan behaves differently than an adjustable one. A conventional loan has different rules than an FHA loan. Some programs let you build equity faster; others give you lower upfront costs. The program that's right for you depends on your timeline, your income stability, and what you're comfortable with. I'd love to walk through your specific circumstances and show you which program actually makes sense for your life. Let's talk about which loan program fits your goals.
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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 Aaron Kapp team any time and we'll walk you through your options. |
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