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Mortgage Market Update
Dorian Gonzalez
Dorian Gonzalez
Wednesday, August 19, 2026
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Should you refinance? Three reasons to think about it |
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Hi there. This week I want to walk you through refinancing—when it makes sense and what to watch out for.
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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 it makes sense to refinance your mortgage
A lot of people think refinancing only makes sense if rates drop dramatically, but there are actually several reasons you might want to consider it. Maybe you want to shorten your loan term, lower your monthly payment, switch from an adjustable to a fixed rate, or tap into your home's equity for a major expense. The math is different for everyone, and what works for your neighbor might not work for you. That's why it's worth having a real conversation about your specific situation—no obligation, just honest guidance on whether refinancing could help you reach your goals. Let's talk through whether refinancing makes sense for your situation.
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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 Dorian Gonzalez team any time and we'll walk you through your options. |
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