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Mortgage Market Update
My Mortgage Company
Lindsey Carioti
Tuesday, October 20, 2026
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Finding the right loan for your situation |
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There's more than one way to finance a home, and choosing wisely matters. Here's what you should know.
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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
Which loan type actually fits your situation?
Not all mortgages are created equal, and the right loan for your neighbor might not be the right one for you. Fixed-rate loans lock in your payment for the life of the loan—predictable and stable. Adjustable-rate mortgages start lower but can change over time. FHA loans help first-time buyers with smaller down payments. VA loans offer benefits for service members. Conventional loans suit borrowers with stronger credit and more equity. The best choice depends on your timeline, risk tolerance, and financial picture. If you're unsure which direction makes sense, I'd love to walk through your options and help you see which program aligns with your goals. Let's talk about which loan program could work best for you.
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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
Lindsey Carioti
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