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Mortgage Market Update
Nina Rose
Nina Carpenter
Wednesday, August 19, 2026
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Does refinancing make sense right now? |
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Hi there—this week I want to walk you through one of the questions I hear most often from homeowners. Whether you're curious or seriously considering it, I've got some straight talk to share.
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National Mortgage Rates · August 13, 2026
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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.
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Refinancing Basics
When refinancing makes sense for your situation
Refinancing isn't right for everyone, but it's worth understanding when it might work in your favor. The main reasons people refinance are to lower their monthly payment, shorten their loan term, switch from an adjustable to a fixed rate, or tap into home equity for a major expense. The trade-off is that you're starting a new loan, which means closing costs and a reset timeline. That's why it matters to run the numbers—sometimes the savings take months or years to materialize, and sometimes they never do. I'm here to help you figure out if it makes sense for you right now. Let's talk through whether refinancing could work for your home and budget.
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Tip of the Week
Inspect your attic insulation. Proper insulation reduces heating and cooling costs and can prevent ice dams on your roof.
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Tips for Homeowners
Fall Home Prep: Heating, Safety & Systems
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1.
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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.
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2.
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Test smoke detectors and carbon monoxide detectors and replace batteries. Carbon monoxide poisoning risk rises when heating systems run more frequently.
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3.
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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.
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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 Nina Rose team any time and we'll walk you through your options. |
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