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Mortgage Market Update
My Mortgage Company
Mamta Khachane
Tuesday, October 20, 2026
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The mortgage choice that actually matters |
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One of the biggest decisions you make doesn't get nearly enough attention. Here's why your loan program deserves a closer look.
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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
Why your loan type matters more than you think
Not all mortgages work the same way, and choosing the right one early can shape your finances for years. Some programs offer flexibility if rates drop; others lock in predictability from day one. Some let you build equity faster; others prioritize lower monthly payments. The "best" loan depends entirely on your situation — how long you plan to stay, your comfort with rate changes, your cash flow, and your goals. It's worth having a real conversation about which program actually fits your life, not just which one sounds familiar. I'd love to walk you through your options and explain how each one could work for you. Reach out whenever you'd like to talk through which loan program makes the most sense for your situation.
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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
Mamta Khachane
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