| |
 |
Wednesday, August 19, 2026 |
|
|
Mortgage Market Update
Should you refinance? Let's find out.
Hi there,
Not every market moment calls for a refinance—but some do. Here's how to know if this is the right time for you.
|
|
|
|
National Mortgage Rates · August 13, 2026
|
%22%2C%22fill%22%3Atrue%2C%22tension%22%3A0.4%2C%22pointRadius%22%3A4%2C%22pointBackgroundColor%22%3A%22%2313283f%22%2C%22borderWidth%22%3A2%7D%5D%7D%2C%22options%22%3A%7B%22plugins%22%3A%7B%22legend%22%3A%7B%22display%22%3Afalse%7D%7D%2C%22scales%22%3A%7B%22y%22%3A%7B%22ticks%22%3A%7B%22callback%22%3A%22function(v)%7Breturn%20v%2B%5C%22%25%5C%22%7D%22%2C%22color%22%3A%22%23666%22%7D%2C%22grid%22%3A%7B%22color%22%3A%22rgba(0%2C0%2C0%2C0.06)%22%7D%7D%2C%22x%22%3A%7B%22grid%22%3A%7B%22display%22%3Afalse%7D%2C%22ticks%22%3A%7B%22font%22%3A%7B%22size%22%3A11%7D%2C%22color%22%3A%22%23666%22%7D%7D%7D%7D%7D&w=520&h=180&bkg=white&f=12) |
|
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.
|
| | |
|
Refinancing Strategy
When refinancing makes sense for your situation
Refinancing isn't a one-size-fits-all move—it depends on where you are with your loan, how long you plan to stay in your home, and what rates are doing. Some folks refinance to lower their monthly payment. Others use it to shorten their loan term, build equity faster, or tap into equity for a major expense. The key is understanding your own goal first, then seeing whether the numbers actually work in your favor. I'm here to walk through your specific scenario and show you whether refinancing could genuinely help you or if staying put is the smarter call.
|
|
Tip of the Week
Inspect your attic insulation. Proper insulation reduces heating and cooling costs and can prevent ice dams on your roof.
|
|
Tips for Homeowners
Fall Home Prep: Heating, Safety & Systems
|
|
1.
|
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.
|
|
2.
|
Test smoke detectors and carbon monoxide detectors and replace batteries. Carbon monoxide poisoning risk rises when heating systems run more frequently.
|
|
3.
|
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.
|
|
|
|
Have questions about how any of this affects your mortgage or home purchase? We're here to help — reach out to the Sylvia Sanders team any time and we'll walk you through your options.
|
|
12230 El Camino Real #100 San Diego, CA 92130
760-429-4470
The Sanders Team | Military Lending Pros · Unsubscribe
|
|
