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Mortgage Market Update
Valerie Goertz
Valerie Goertz
Tuesday, October 20, 2026
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Which loan type fits your life |
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Not all mortgages are created equal. The program you choose can make a big difference in how your loan works—and works for 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
Why your loan type matters more than you think
When you're shopping for a mortgage, it's easy to focus only on the interest rate. But the type of loan you choose—fixed-rate versus adjustable, conventional versus government-backed—shapes your entire borrowing experience. Some programs offer flexibility and lower starting costs. Others provide stability and predictability. The right fit depends on how long you plan to stay in your home, your comfort with payment changes, and your financial goals. I've seen borrowers save real money and sleep better at night simply by choosing a loan structure that matched their actual life plans. Let's talk about which option makes sense for your situation. Reach out and we can walk through the loan types that fit your timeline and goals.
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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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