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Mortgage Market Update
Valerie Goertz
Valerie Goertz
Tuesday, October 20, 2026
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What mortgage programs could work for you? |
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Hello. I want to talk about something that often gets overlooked: the variety of loan structures available to borrowers like you.
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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
Your loan options might be wider than you think
Most borrowers know about the standard 15-year and 30-year mortgages, but there are other programs worth understanding—especially if your situation doesn't fit neatly into those boxes. Depending on your credit, down payment, and goals, you might qualify for options that could change what's actually affordable for you. Some borrowers benefit from adjustable-rate mortgages early on; others find that a longer amortization period makes the monthly payment fit their budget better. The key is knowing what's available before you assume what you can or can't do. If you've been told no by another lender, or if you're wondering whether a different structure might work better for you, it's worth a conversation. Let me walk you through what might apply to your circumstances. Give me a call or email this week so we can talk about which programs might be the best fit for you.
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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 Valerie Goertz team any time and we'll walk you through your options. |
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