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Mortgage Market Update
Matt Isaacs
Matt Isaacs
Wednesday, August 19, 2026
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Should you think about refinancing? |
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Some weeks bring questions about refinancing — and for good reason. It's a tool that can work really well when it's the right fit for your situation.
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National Mortgage Rates · August 13, 2026
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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.
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Refinancing Strategy
When a refinance makes financial sense
Refinancing isn't always the right move — it depends on your goals and where rates stand relative to your current loan. Some borrowers refinance to lower their monthly payment or shorten their loan term. Others tap into home equity for a major expense or to consolidate debt. The key is understanding what you're trying to accomplish and whether the math actually works in your favor. If you've been thinking about it but aren't sure whether it's worth exploring, I'm happy to walk through your options. A quick conversation can help you see if refinancing aligns with your timeline and financial picture. Let's talk about whether refinancing could work for you.
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Tip of the Week
Inspect your attic insulation. Proper insulation reduces heating and cooling costs and can prevent ice dams on your roof.
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Tips for Homeowners
Fall Home Prep: Heating, Safety & Systems
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1.
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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.
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2.
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Test smoke detectors and carbon monoxide detectors and replace batteries. Carbon monoxide poisoning risk rises when heating systems run more frequently.
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3.
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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.
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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 Matt Isaacs team any time and we'll walk you through your options. |
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