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Mortgage Market Update
My Mortgage Company
Debbie Nazarino — Debbie Nazarino
Wednesday, August 19, 2026
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Should you refinance? Let's find out. |
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Hi there. I've had a lot of questions lately about whether now is the right time to refinance. Let me break down what actually matters when you're making that decision.
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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 Basics
When refinancing makes sense (and when it doesn't)
Refinancing isn't always the right move, even when rates look appealing. I talk to borrowers all the time who wonder if they should refinance, and the answer really depends on your situation. If you've built equity, improved your credit, or rates have moved meaningfully lower, refinancing might put money back in your pocket over time. But closing costs and how long you plan to stay in your home matter too. Sometimes a small rate improvement doesn't pencil out after fees. The best way to know is to run the numbers on your specific loan. I'm happy to walk you through a quick analysis—no obligation—so you can see what actually makes sense for you. Reach out if you'd like to explore whether refinancing could work for your situation.
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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 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
Debbie Nazarino — Debbie Nazarino
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