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Wednesday, August 19, 2026 |
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Mortgage Market Update
Why your loan choice matters more than you realize
Hi there. This week I want to cover something that often gets overlooked when people are focused on finding the right home or the best rate.
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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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Loan Programs
Not all mortgages work the same way
When you're ready to buy or refinance, the loan program you choose shapes your monthly payment, how fast you build equity, and what happens if rates change. A fixed-rate mortgage locks in your rate for the life of the loan—predictable and steady. An adjustable-rate mortgage might start lower but can shift over time. Other programs, like FHA or VA loans, come with their own rules and benefits. The right choice depends on your timeline, risk tolerance, and financial goals. I'd be happy to walk you through how each one works and which might fit your situation best.
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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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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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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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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 Matt Maier team any time and we'll walk you through your options.
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25 S Arizona Pl Suite 210, Chandler, AZ 85225
Matt
Matt Maier · Unsubscribe
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