Mortgage Market Update

Acorn Mortgage

Wednesday, August 19, 2026

Does refinancing make sense for you right now?

Hi there. This week I want to talk about one of the most common questions I hear: whether now is a good time to refinance.

National Mortgage Rates · August 13, 2026

30-Year Fixed

6.67%

FHA 30-Year

6.47%

VA 30-Year

6.33%

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.

Refinancing Basics

When refinancing makes sense (and when it doesn't)

Refinancing isn't right for everyone, and the best time to consider it depends on your personal situation, not just market conditions. Some borrowers benefit from lower rates or switching loan terms. Others might be better off staying put, especially if they're close to paying off their loan or recently locked in a favorable rate.

The key is understanding what you'd gain against what it costs to refinance. I'm happy to walk through the numbers with you—no pressure, just clarity. If you've been wondering whether a refinance could work for your situation, let's talk.

Reach out if you'd like to explore whether refinancing could benefit you.

Tip of the Week

Inspect your attic insulation. Proper insulation reduces heating and cooling costs and can prevent ice dams on your roof.

Tips for Homeowners

Fall Home Prep: Heating, Safety & Systems

1.	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.

2.	Test smoke detectors and carbon monoxide detectors and replace batteries. Carbon monoxide poisoning risk rises when heating systems run more frequently.

3.	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.

Have questions about how any of this affects your mortgage or home purchase? We're here to help — reach out to the Acorn Mortgage team any time and we'll walk you through your options.

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