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Mortgage Market Update
Emily Torvik
Emily J Torvik
Tuesday, October 20, 2026
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Your mortgage doesn't have to be one-size-fits-all |
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Hi there. Every borrower's situation is different—and your loan should reflect that.
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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
The loan program that might fit your life better
Not all mortgages are built the same. Depending on where you are in your financial journey—whether you're stretching to buy your first home, juggling multiple properties, or looking to simplify what you owe—different loan programs can work harder for you than others. Some let you put down less upfront. Others lock in certainty with fixed payments. A few are built specifically for people with less-than-perfect credit or nontraditional income. The right fit isn't always obvious, and it's worth understanding what's actually available to you. I've seen borrowers save money and stress simply by choosing a program that matched their real situation instead of just taking what came first. If you've wondered whether there's a better option for your circumstances, I'd like to walk through what's possible. Let's talk about which loan program might be the best match 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 Emily Torvik team any time and we'll walk you through your options. |
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