|
Mortgage Market Update
My Mortgage Company
Tony Zerwas — Tony Zerwas
Wednesday, August 19, 2026
|
Should you refinance? Here's how to decide |
|
Hi there—I wanted to touch on a question I hear a lot: is now a good time to refinance? The answer depends on your unique situation.
|
|
National Mortgage Rates · August 13, 2026
|
%22%2C%22fill%22%3Atrue%2C%22tension%22%3A0.4%2C%22pointRadius%22%3A4%2C%22pointBackgroundColor%22%3A%22%233b5bdb%22%2C%22borderWidth%22%3A2%7D%5D%7D%2C%22options%22%3A%7B%22plugins%22%3A%7B%22legend%22%3A%7B%22display%22%3Afalse%7D%7D%2C%22scales%22%3A%7B%22y%22%3A%7B%22ticks%22%3A%7B%22callback%22%3A%22function(v)%7Breturn%20v%2B%5C%22%25%5C%22%7D%22%2C%22color%22%3A%22%23666%22%7D%2C%22grid%22%3A%7B%22color%22%3A%22rgba(0%2C0%2C0%2C0.06)%22%7D%7D%2C%22x%22%3A%7B%22grid%22%3A%7B%22display%22%3Afalse%7D%2C%22ticks%22%3A%7B%22font%22%3A%7B%22size%22%3A11%7D%2C%22color%22%3A%22%23666%22%7D%7D%7D%7D%7D&w=520&h=180&bkg=white&f=12) |
|
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 always the right move, even when rates drop. The real question is whether the long-term savings outweigh your costs to refinance—and how long you plan to stay in your home. If you're thinking about selling in a few years, a refi might not pay for itself. But if you're settled in, the math could work in your favor. The best way to know is to run the numbers with someone who understands your specific situation. I'm happy to walk through a quick scenario with you—no obligation, just clarity on whether it makes sense for your goals. Reach out anytime you'd like to talk through whether refinancing fits your plan.
|
|
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 My Mortgage Company team any time and we'll walk you through your options. |
|
Your Mortgage Advisor
|
|
|
My Mortgage Company
Tony Zerwas — Tony Zerwas
|
|
|
|
You are receiving this from Tony Zerwas — Tony Zerwas. Unsubscribe
|