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Mortgage Market Update
Ashley Zierer
Ashley Zierer
Wednesday, August 19, 2026
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Does refinancing make sense for you? |
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Hi there. This week I want to tackle a question I hear often from homeowners: should I refinance?
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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 a refi actually makes sense
I talk to homeowners all the time who wonder if refinancing is worth the effort. The truth is, it depends on your situation—your current rate, how long you plan to stay in the home, and what you'd pay to refinance. Sometimes the math works out beautifully. Other times, you're better off staying put. The key is looking at your full picture, not just chasing the headline. If you've been curious whether refinancing could work for you, I'm happy to walk through the numbers and help you see clearly whether it makes sense right now. Let's talk through your options whenever you're ready.
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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 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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