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Mortgage Market Update
Matthew Bramow
Matthew Bramow
Tuesday, October 20, 2026
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Which loan program fits your situation? |
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There's more to choosing a mortgage than finding a low rate. The type of loan you select shapes your monthly payment, flexibility, and long-term costs.
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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 Programs
Not all mortgages work the same way
When you're shopping for a home or thinking about your current mortgage, the loan program you choose matters as much as the rate itself. Different programs come with different rules about down payments, credit requirements, how long you have to repay, and what happens if rates move. Some are designed for first-time buyers. Others reward people with strong credit or substantial equity. A program that works perfectly for your neighbor might not be the best fit for you. That's why it's worth having a conversation about which option actually aligns with your situation—not just which one sounds cheapest on day one. I'm here to walk through the options and help you understand what each one really means for your finances. Let's talk about which loan program makes sense for where you are right 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 Matthew Bramow team any time and we'll walk you through your options. |
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