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Mortgage Market Update
My Mortgage Company
Destany Poulette
Tuesday, October 20, 2026
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What type of mortgage fits you best? |
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Not all mortgages work the same way—and that's actually good news. I want to walk you through how to pick one that aligns with your real life and goals.
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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 Program Fit
Finding the right loan structure for your goals
When you're shopping for a mortgage or thinking about refinancing, the interest rate gets most of the attention—but the loan program itself matters just as much. Different programs have different rules about down payments, credit flexibility, how long you lock in your rate, and whether you can pay extra toward principal without penalty. Some borrowers benefit from more flexibility; others do better with a fixed structure that never changes. The best choice depends on your timeline, how long you plan to stay in the home, and what feels comfortable to you. It's worth having a conversation about what each option really means for your situation, not just what the rate looks like today. Let's talk through which program might work best for you.
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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
Destany Poulette
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