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Mortgage Market Update
Daniel Greer
Daniel Greer
Tuesday, October 20, 2026
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Different mortgages for different situations |
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Hi there. This week I want to talk about the choices you actually have when it comes to how you finance a home.
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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
Not all mortgages are built the same
When you're shopping for a home or thinking about refinancing, the loan program you choose matters just as much as the rate itself. Different programs come with different rules around down payments, credit requirements, property types, and how long you have to repay. Some borrowers qualify for programs others don't—and the program that's right for one person might not work for another. Understanding what's available to you can open doors you didn't know existed. I'd be happy to walk you through which programs make sense given your situation. Let's talk about which loan program fits your 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 Daniel Greer team any time and we'll walk you through your options. |
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