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Mortgage Market Update
My Mortgage Company
Bryan Stahl
Tuesday, October 20, 2026
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Which loan program is right for you? |
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There's more to choosing a mortgage than just the rate. The type of loan you pick shapes your whole experience as a homeowner.
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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
What your loan type means for your bottom line
Not all mortgages work the same way, and the loan program you choose affects more than just your interest rate. Fixed-rate loans keep your payment stable for the life of the loan. Adjustable-rate mortgages may start lower but change over time. Government-backed programs like FHA, VA, and USDA loans have different down payment and credit requirements than conventional loans. Each path has trade-offs. The best fit depends on your timeline, how long you plan to stay in your home, and what payment predictability means to you. I'd love to walk through which option makes sense for your situation—let's talk. Reach out and we can review which program fits your goals.
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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
Bryan Stahl
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