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Mortgage Market Update
Ashley Zierer
Ashley Zierer
Tuesday, October 20, 2026
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Which mortgage program is actually right for you? |
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There are more ways to borrow than most people realize. Here's what matters when choosing one.
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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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Loan Programs
Why your neighbor's mortgage might work differently than yours
Not all mortgages are created equal, and the right loan program for you depends on your situation—how long you plan to stay, what your cash position looks like, and how much predictability you want. Some borrowers do best with fixed rates that never change. Others benefit from programs that offer flexibility or lower starting costs. The program that works for one person can be the wrong choice for another, even if you both live on the same block. That's why I always start conversations by learning about your goals, not just your numbers. If you've never talked through which program actually fits your life, I'd like to help you sort it out. Let's talk about which loan structure makes the most sense for where you are today.
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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 Ashley Zierer team any time and we'll walk you through your options. |
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Your Mortgage Advisor
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Ashley Zierer
Ashley Zierer
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