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Mortgage Market Update
My Mortgage Company
Mariasha Davidoff
Tuesday, October 20, 2026
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Not all mortgages work the same way |
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Hi there. This week I want to talk about something I see borrowers overlook: the loan program itself can make a real difference in how your mortgage works for you.
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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
Your mortgage doesn't have to look like everyone else's
Not all loans are built the same way. Depending on where you are in life—whether you're a first-time buyer, self-employed, have a non-traditional credit history, or are buying in a competitive market—different loan programs can open doors that a standard mortgage might not. Some programs offer more flexibility on down payments. Others work better if your income is harder to document. Some let you lock in certainty; others give you room to adjust. The right fit depends on your actual situation, not a one-size-fits-all approach. If you've ever wondered whether a different program might work better for you, that's worth exploring. Let's talk about what your options really are. Reach out and let's walk through which program might make the most sense 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
Mariasha Davidoff
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