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Mortgage Market Update
test account
Shez Testing account
Tuesday, October 20, 2026
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Refinancing might be worth a second look |
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Hi there—this week I want to talk about refinancing, and why the right time isn't always about rates alone.
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National Mortgage Rates · October 16, 2026
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Conventional 30-Year
7.28%
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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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Refinancing
When it makes sense to refinance your mortgage
Refinancing isn't just about chasing lower rates—it can work for you in other ways too. Maybe your credit has improved since you first bought, or you want to shorten your loan term and build equity faster. Some people refinance to switch from an adjustable rate to a fixed one, locking in stability. Others use it to access cash for home repairs or investments. The key is understanding what you're trying to accomplish and whether the math actually works in your favor. If you've been thinking about your mortgage lately, it's worth a conversation to see what your options really are. Let's talk through whether a refinance could work for your situation.
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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 test account team any time and we'll walk you through your options. |
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