Adele Krsek · October 20, 2026

Which loan program is right for you?

Mortgage Market Update

Adele Krsek

Adele Krsek

Tuesday, October 20, 2026

Which loan program is right for you?

A lot of borrowers assume all mortgages work the same way. They don't. Let me explain what actually matters when choosing yours.

National Mortgage Rates · October 16, 2026

Conventional 30-Year

7.28%

FHA 30-Year

7.13%

VA 30-Year

6.93%

Rate trend

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.


Loan Programs

Picking the right loan type for where you are

Not all mortgages are created equal, and the best one for you depends on your situation right now. Some borrowers benefit from conventional loans, while others qualify for programs backed by the FHA, VA, or USDA that open doors they wouldn't have otherwise. Your credit profile, down payment, timeline, and how long you plan to stay in the home all play a role in which program makes sense. The difference between the right fit and the wrong one can affect your approval odds, your costs over time, and your peace of mind. I've seen borrowers miss opportunities because they didn't know what was available to them. If you're curious whether you're on the best path, or if you've never looked under the hood at loan options, let's talk through what actually matches your story.

Reach out and we can walk through which programs you might qualify for.

Tip of the Week

Your loan officer can run a credit simulator to show exactly which actions will move your score the most.

Tips for Homeowners

Year-End Tax & Mortgage Planning

1.

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).

2.

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.

3.

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.

Have questions about how any of this affects your mortgage or home purchase? We're here to help — reach out to the Adele Krsek team any time and we'll walk you through your options.

Your Mortgage Advisor

A

Adele Krsek

Adele Krsek

adele@easelending.com

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