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Mortgage Market Update
Kevin Dull
KD The Broker (powered by Edge Home Finance)
Tuesday, October 20, 2026
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The loan type that works for your life |
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Hi there. I wanted to share something that comes up often in conversations with clients.
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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 neighbor's loan might not work for you
Everyone's mortgage story is different, and so is the right loan. What worked perfectly for someone else—a 15-year fixed, an ARM, a jumbo program—might not match your timeline, cash flow, or plans for the home. The same goes for down payment requirements, credit flexibility, and what you can afford to put down today versus stretch for. That's why I spend time understanding your actual situation before recommending a path forward. There's no one-size-fits-all mortgage. If you're curious whether the loan type you've heard about makes sense for you, let's talk through it together.
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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 Kevin Dull team any time and we'll walk you through your options. |
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4487 Bobwhite Trace
6146658801 | www.kdthebroker.com
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