Mortgage Market Update

Arturo Solis

Tuesday, October 20, 2026

Loan programs aren't one-size-fits-all

Everyone's mortgage story is different. Here's why that matters to you, and how to use it to your advantage.

National Mortgage Rates · October 16, 2026

Conventional 30-Year

7.28%

FHA 30-Year

7.13%

VA 30-Year

6.93%

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.

Loan Programs

Why your neighbor's mortgage might work differently than yours

Not all mortgages are created equal—and that's actually good news for you. Depending on your situation, you might qualify for a loan program that offers terms, flexibility, or benefits that wouldn't work for someone else. First-time buyers, veterans, rural homeowners, and people with unique credit histories often have options they don't know exist. The program you choose affects your rate, your down payment requirement, and how much house you can actually afford. It's worth exploring what's available to you specifically, rather than assuming there's only one path forward. I'd be happy to walk through the programs that make sense for your circumstances.

Let's talk about which loan type fits your situation best.

Tip of the Week

Your loan officer can run a credit simulator to show exactly which actions will move your score the most.

Tips for Homeowners

Year-End Tax & Mortgage Planning

1.	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).

2.	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.

3.	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.

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

Your Mortgage Advisor

Arturo Solis

You are receiving this from Arturo Solis. Unsubscribe