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Mortgage Market Update
KATY BETCHER
Katy Betcher
Thursday, August 20, 2026
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Has your budget changed since we last talked? |
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I work with people whose circumstances shift constantly. This week, I want to help you get clear on yours.
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National Mortgage Rates · August 13, 2026
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Source: Freddie Mac PMMS & Optimal Blue via FRED
Rates shown are national averages 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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Affordability Check
Your budget today vs. what you could afford
Life changes fast—job shifts, family growth, debt payoff. What felt out of reach two years ago might be within reach now, and vice versa. A quick affordability conversation can show you whether your current financial picture opens new doors or suggests a smarter waiting game. Some borrowers find they can upgrade sooner than expected. Others realize that holding steady makes more sense right now. Either way, it's useful to know. I'm here to run the real numbers based on where you actually stand, no pressure, just clarity. Reach out if you'd like to see what your current situation actually allows.
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Tip of the Week
If your credit score is below 740, even small improvements before applying for a mortgage can save you thousands over the life of the loan.
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Tips for Homeowners
Weatherproofing Your Home Before Winter
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1.
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Clean your chimney if you have a fireplace. The National Fire Protection Association recommends annual inspection and cleaning to prevent chimney fires.
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2.
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Check attic insulation and ventilation before winter. Inadequate insulation leads to heat loss, higher energy bills, and ice dams on the roof that can cause significant damage.
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3.
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Inspect weatherstripping on all exterior doors. A simple dollar-bill test works: close the door on a bill — if you can pull it out easily, your weatherstripping needs replacing.
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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 KATY BETCHER team any time and we'll walk you through your options. |
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