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Mortgage Market Update
Brenda Rodriguez
Brenda Merecka Rodriguez
Wednesday, August 19, 2026
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Should you refinance right now? |
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Hi there. With so much changing in the housing market, I want to help you think clearly about your options.
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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 Basics
When refinancing actually makes sense
A lot of homeowners ask me whether they should refinance, and the answer depends on your situation. Refinancing isn't always the right move—sometimes your current loan is working fine. But if your financial picture has changed since you bought, or if market conditions have shifted, it's worth a conversation. I can walk through what a refinance might mean for your monthly payment, how long it would take to recoup closing costs, and whether switching loan terms could serve your goals. The best time to explore it is before you need to, not when you're in crisis mode. Let me know if you'd like to talk through whether refinancing could work for your home and finances.
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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 Brenda Rodriguez team any time and we'll walk you through your options. |
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