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Mortgage Market Update
My Mortgage Company
Eagle Star Mortgage Group
Tuesday, October 20, 2026
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Choosing the right loan type matters |
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Everyone's mortgage situation is different. That's why the program you choose deserves real thought.
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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 interest rate. Some borrowers do best with a fixed-rate mortgage that locks in the same payment for decades. Others benefit from adjustable programs if they plan to move or refinance within a few years. First-time buyers might qualify for programs with lower down payments or flexible credit requirements. Existing homeowners sometimes find better terms in programs designed specifically for their situation. The right choice depends on your timeline, your comfort with payment changes, how long you plan to stay in the home, and your overall financial picture. I'd be happy to walk through which options make sense for where you are right now. Let's talk about which loan program could work best 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 My Mortgage Company team any time and we'll walk you through your options. |
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Your Mortgage Advisor
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My Mortgage Company
Eagle Star Mortgage Group
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