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Mortgage Market Update
My Mortgage Company
Jose L Calvo Jr — Jose Calvo Jr
Wednesday, August 19, 2026
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Should you refinance right now? |
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Every homeowner's situation is different, and one strategy rarely fits everyone. This week I want to help you think clearly about whether refinancing deserves a closer look.
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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 does refinancing actually make sense?
I talk to homeowners regularly who wonder if refinancing is worth the effort. The truth is, it depends on your situation—not just today's rates, but how long you plan to stay in your home, what you'd pay in closing costs, and whether you're looking to lower your payment, shorten your loan term, or access equity for something important. Sometimes the math works beautifully. Sometimes it doesn't. The only way to know for sure is to run the numbers with someone who isn't trying to push you in any direction. I'm happy to walk through whether it makes sense for you, no pressure either way. Let's talk through your options—reach out anytime.
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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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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 My Mortgage Company team any time and we'll walk you through your options. |
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Your Mortgage Advisor
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My Mortgage Company
Jose L Calvo Jr — Jose Calvo Jr
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