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Mortgage Market Update
Daniel Greer
Daniel Greer
Tuesday, October 20, 2026
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Which loan type fits your situation? |
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Hi there. Every borrower's situation is different, and so is every mortgage. This week I want to break down why the program you choose matters just as much as the rate you lock.
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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 work the same way
When you're ready to buy or refinance, you have real choices beyond just picking a rate. Different loan programs have different rules about down payments, credit requirements, property types, and how much flexibility you get over time. A conventional loan works one way; an FHA loan another. Some programs reward you for staying put; others let you move around. Understanding which program fits your situation—not just which has the lowest advertised rate—can mean the difference between a mortgage that feels right and one that creates stress down the road. I'd love to walk you through what's actually available to you. Let's talk about which loan program makes sense for 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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