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Mortgage Market Update
Angela Maw
Angela Maw
Tuesday, October 20, 2026
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Your loan type matters more than you think |
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I've been helping people navigate mortgage options for years, and one thing stands out: most borrowers never really understand the difference between the loans available to them.
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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 shopping for a home or thinking about your current loan, the type of mortgage you choose matters as much as the interest rate. Fixed-rate loans, adjustable-rate mortgages, FHA loans, conventional financing—each one has different rules, costs, and tradeoffs built in. Some work better if you're staying put for decades. Others make sense if you know you'll move or refinance in a few years. The right choice depends on your situation, not just what's advertised as 'the best deal.' I'd be happy to walk through which loan type actually fits your plan and your timeline. Let's talk about which loan program makes the most sense for where you are right now.
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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 Angela Maw team any time and we'll walk you through your options. |
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