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Mortgage Market Update
My Mortgage Company
Rebel Rate Mortgage
Tuesday, October 20, 2026
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Which mortgage type is right for you? |
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There's more than one way to finance a home. Here's what you should know about your options.
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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 Program Options
Not all mortgages work the same way
When you're shopping for a home or thinking about refinancing, you'll hear terms like fixed-rate, adjustable-rate, FHA, conventional, and VA. They're not just jargon—they're different tools designed for different situations. A fixed-rate mortgage keeps your payment steady for the life of the loan. An adjustable-rate loan might start lower but can change over time. Government-backed programs like FHA or VA have their own rules and benefits. The right choice depends on your timeline, how long you plan to stay in the home, and what payment predictability matters to you. I can walk you through how each one works and which might make sense for your goals. Let's talk about which loan program fits your situation best.
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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
Rebel Rate Mortgage
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