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Mortgage Market Update
My Mortgage Company
Jeff Buchweitz
Tuesday, October 20, 2026
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Your loan program matters more than you think |
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Hi there. Every mortgage is personal — and that starts with choosing the right loan program for your life.
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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 mortgage might work differently than yours
Not all mortgages are built the same way. The loan program you choose — whether it's conventional, FHA, VA, or something else — affects everything from your down payment to your monthly payment to how fast you build equity. Some programs are stricter about credit or income; others are more flexible. Some let you put down less upfront; others require more. The right fit depends on your situation, not on what worked for someone else. That's why it's worth having a real conversation about which program actually makes sense for you before you're too far down the road. I'm happy to walk through the options and help you understand what each one means for your specific goals. Let's talk about which loan program fits your situation best.
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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
Jeff Buchweitz
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