Mortgage Market Update

My Mortgage Company

Darryl Taylor

Tuesday, October 20, 2026

Which mortgage type fits your situation?

There's no one-size-fits-all mortgage. Here's why the right loan program matters.

National Mortgage Rates · October 16, 2026

Conventional 30-Year

7.28%

FHA 30-Year

7.13%

VA 30-Year

6.93%

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.

Loan Programs

Not all mortgages work the same way

If you're shopping for a home or thinking about refinancing, you've probably heard terms like fixed-rate, adjustable-rate, FHA, conventional, and jumbo thrown around. The truth is that different loan programs come with different rules, costs, and trade-offs—and the right one for you depends on your situation, not on what worked for someone else. A program that makes sense for a first-time buyer with a smaller down payment might not be ideal for someone with significant equity. The interest rate is just one piece of the puzzle. I'd be happy to walk you through what's actually available to you and why one option might fit better than another.

Let's find out which loan program makes the most sense for your goals.

Tip of the Week

Your loan officer can run a credit simulator to show exactly which actions will move your score the most.

Tips for Homeowners

Year-End Tax & Mortgage Planning

1.	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).

2.	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.

3.	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.

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.

Your Mortgage Advisor

My Mortgage Company

Darryl Taylor

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