Mortgage Market Update

My Mortgage Company

Angela Walters

Tuesday, October 20, 2026

Which mortgage is right for your life right now?

Hi there. This week I want to address a question I hear often: how do I know which type of mortgage to choose?

National Mortgage Rates · October 16, 2026

Conventional 30-Year

7.28%

FHA 30-Year

7.13%

VA 30-Year

6.93%

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.

Loan Programs

Finding the right loan type for your situation

Not all mortgages are created equal, and the one that works for your neighbor might not be the best fit for you. Whether you're a first-time buyer, looking to move, or thinking about your next chapter, different loan programs have different strengths—some prioritize lower upfront costs, others offer flexibility, and some are designed specifically for certain down payment situations. The key is understanding what matters most to your financial picture right now. That's where a conversation with me comes in. I can walk you through which programs actually align with your goals, timeline, and comfort level. Let's talk through your specific situation.

Reach out and we can explore which loan program makes the most sense for you.

Tip of the Week

Your loan officer can run a credit simulator to show exactly which actions will move your score the most.

Tips for Homeowners

Year-End Tax & Mortgage Planning

1.	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).

2.	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.

3.	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.

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.

Your Mortgage Advisor

My Mortgage Company

Angela Walters

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