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Mortgage Market Update
Chris Ristau
Chris Ristau
Tuesday, October 20, 2026
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Finding the right loan for where you are |
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Hi there. Every borrower's situation is different, and the loan program you choose should reflect your goals and your life—not just the lowest rate on the billboard.
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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
Which loan program matches your goals?
Not all mortgages are created equal. Depending on where you are in your financial life, different loan structures can work better for you. A 30-year fixed loan gives you predictable payments and stability. A 15-year option lets you build equity faster and pay less interest overall. Adjustable-rate programs can offer lower initial payments if you plan to move or refinance. First-time buyers might qualify for programs with lower down payment requirements. The right choice depends on your timeline, budget, and comfort level—not what worked for someone else. I'm happy to walk you through your options and help you figure out which path makes the most sense for your situation. Let's talk about which loan structure fits your plan.
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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 Chris Ristau team any time and we'll walk you through your options. |
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