Mortgage Market Update

My Mortgage Company

Timothy Trifiletti

Tuesday, October 20, 2026

Picking the right mortgage program

Hi there. Every homebuyer and homeowner faces different circumstances, and one-size-fits-all thinking doesn't help anyone.

National Mortgage Rates · October 16, 2026

Conventional 30-Year

7.28%

FHA 30-Year

7.13%

VA 30-Year

6.93%

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.

Loan Programs

Finding the right loan program for your situation

Not all mortgages work the same way, and that matters more than you might think. Whether you're buying for the first time, moving up to a larger home, or refinancing an existing loan, the program you choose shapes your monthly payment, how long you'll pay, and what flexibility you have down the road. Some programs reward a larger down payment. Others are designed to help buyers who don't have that cushion yet. A few let you skip paying interest upfront and build equity faster. The right fit depends on your timeline, your savings, and what you're trying to accomplish. I'd love to walk you through which programs make sense for where you are right now.

Get in touch, and let's talk about what program fits your goals best.

Tip of the Week

Your loan officer can run a credit simulator to show exactly which actions will move your score the most.

Tips for Homeowners

Year-End Tax & Mortgage Planning

1.	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).

2.	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.

3.	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.

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.

Your Mortgage Advisor

My Mortgage Company

Timothy Trifiletti

You are receiving this from Timothy Trifiletti. Unsubscribe