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Mortgage Market Update
My Mortgage Company
Chris Duskin
Tuesday, October 20, 2026
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Not all mortgages are the same |
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Every borrower's situation is different, and so is every loan. Here's what you should know.
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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
Why your neighbor's mortgage might work differently than yours
Not all mortgages are built the same way. Depending on your down payment, credit profile, home location, and how long you plan to stay, you might qualify for programs your friend doesn't—and vice versa. Some borrowers benefit from adjustable rates or government-backed loans; others do better with conventional fixed terms. The program that makes sense depends entirely on your situation. That's why a real conversation about your goals matters so much more than a generic rate comparison. If you've never talked through which loan program fits your life, it's worth an hour of your time. I can walk you through the options that actually apply to you. Let's chat about which loan program makes the most sense 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 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
Chris Duskin
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