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Mortgage Market Update
My Mortgage Company
Josh Deutsch — Josh Deutsch
Wednesday, August 19, 2026
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Does refinancing make sense for you? |
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There's a lot of noise out there about refinancing. I want to cut through it and help you figure out if it's actually worth considering for your specific circumstances.
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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 actually makes sense
I get asked a lot whether someone should refinance, and the honest answer is: it depends on your situation. Refinancing isn't always the right move, even when rates shift. The key is looking at how long you plan to stay in your home, what your current loan terms are, and whether the benefits outweigh the costs of starting a new loan. Sometimes refinancing cuts years off your payoff timeline or lowers your payment meaningfully. Other times, you're better off staying put. I'm happy to run the numbers for you and walk through what makes sense given where you are right now. If you've been wondering whether refinancing could work for your situation, let's talk it through.
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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
Josh Deutsch — Josh Deutsch
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