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Mortgage Market Update
My Mortgage Company
ReAnn Gonzalez and Team
Tuesday, October 20, 2026
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Which loan type fits your situation? |
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Hi there. This week I want to walk through something that doesn't get enough attention: the fact that you have real choices when it comes to the kind of mortgage you carry.
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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
The loan that might be right for you
Not all mortgages are created equal. Depending on where you are in life—whether you're a first-time buyer, building equity, or looking to tap into your home's value—different loan programs offer different advantages. Some prioritize lower rates, others lower down payments or more flexible credit requirements. The right fit for your neighbor might not be the right fit for you. That's why I like to talk through your full picture: your income, timeline, credit history, and goals. Once I understand where you're coming from, I can point you toward programs that actually make sense for your situation, not just the ones that sound good in an email. Let's find out which loan program fits your life best.
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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
ReAnn Gonzalez and Team
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