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Mortgage Market Update
Anita Conrad
Anita Conrad
Tuesday, October 20, 2026
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Your credit score and your mortgage options |
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Hi there. This week I want to talk about something that affects almost every homeowner at some point—and it's worth understanding before you need it.
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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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Smart Borrowing
Why your credit score matters more than you think
Your credit score isn't just a number—it's one of the biggest factors that shape what you can borrow and what you'll pay. A stronger score can open doors to better loan terms and more options when you need them. If you've been thinking about a mortgage, refinance, or even a home equity line of credit, understanding where your credit stands right now gives you a real advantage. You don't have to be perfect, but knowing your score and addressing anything that's dragging it down can make a meaningful difference. I'm happy to walk you through what matters and what doesn't when it comes to your application. Let's talk about your credit profile and what it means for your borrowing power.
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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 Anita Conrad team any time and we'll walk you through your options. |
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