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Mortgage Market Update
Jake Taylor
Jake Taylor
Tuesday, October 20, 2026
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Your loan program and your actual life |
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Hi there. This week I want to talk about something I don't bring up enough—whether the loan you have is really the right one for you today.
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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
Does your loan match your plan?
When you first got your mortgage, you made the best choice for where you were at that time. But life changes. Your income might be steadier now. You might plan to stay in your home longer—or shorter—than you once thought. You might have paid down enough principal that your situation looks different on paper. The right loan program isn't one-size-fits-all, and it's worth revisiting whether yours still makes sense for your actual life today, not just the life you had a few years ago. I've seen borrowers discover they could move to a program that better fits their timeline or comfort level. It's a straightforward conversation that sometimes uncovers real opportunities. Let's take a look at your loan and see if there's a better fit for where you are now.
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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 Jake Taylor team any time and we'll walk you through your options. |
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