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Mortgage Market Update
My Mortgage Company
Vision Home Mortgage
Tuesday, October 20, 2026
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You might have more options than you think |
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One of the most underrated facts about homeownership is how your position improves over time. Let me show you what I mean.
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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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Home Equity
Your home has probably gained value
If you bought a few years ago, or even recently in a stable market, your home may be worth more than your loan balance. That difference is equity—and it opens doors. You can tap it to fund renovations, pay off debt, or build cash reserves. The best part: you may not need perfect credit or a spotless financial record to access it, depending on which program makes sense for you. Even if you don't need the money right now, knowing what you have is powerful. It tells you where you stand and what options exist when life happens. I'd love to walk you through what your equity might unlock. Let's talk about what your home's value means for your financial picture.
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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 My Mortgage Company team any time and we'll walk you through your options. |
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Your Mortgage Advisor
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My Mortgage Company
Vision Home Mortgage
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