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Mortgage Market Update
My Mortgage Company
Kate Kippenberger — Kate Kippenberger
Tuesday, October 20, 2026
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Your mortgage options are broader than you think |
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I work with borrowers every week who discover their loan choices are wider than they assumed. Let me show you what might work for your situation.
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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
Your mortgage doesn't have to look like everyone else's
Not all loans are created equal, and the program that works for your neighbor might not be right for you. Some borrowers benefit from fixed rates that never change. Others do better with flexibility built into their loan terms. And plenty of people qualify for programs they don't even know exist—whether that's because of how long they plan to stay in the home, their down payment situation, or their financial goals down the road. The right fit depends on your life, not a one-size-fits-all template. I'd be happy to walk through what's available to you and why one option might make more sense than another. Let's talk about which loan structure aligns with your plans.
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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
Kate Kippenberger — Kate Kippenberger
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