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Mortgage Market Update
Anthony Cesarini
Anthony Cesarini
Wednesday, October 21, 2026
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Fixed or adjustable—which fits your plan |
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Hi there. I want to help you understand one of the most important choices you'll make when getting a mortgage.
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National Mortgage Rates · October 20, 2026
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Conventional 30-Year
7.33%
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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 Fit
Fixed vs. adjustable: which makes sense for you
When you're shopping for a mortgage, one of the biggest choices is whether to lock in a fixed rate for the life of your loan or start with an adjustable rate that changes over time. Each has real trade-offs worth understanding. A fixed rate gives you payment stability and peace of mind—you know exactly what you'll pay every month, no surprises. An adjustable rate typically starts lower, which can mean a smaller payment early on, but it can shift later. The right choice depends on how long you plan to stay in your home, your comfort with payment changes, and your financial situation. There's no universal winner here—it's about what fits your life. I'd be happy to walk through both options and help you think through what makes the most sense for your goals. Let's talk through which structure would work best for your situation.
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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 Anthony Cesarini team any time and we'll walk you through your options. |
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Your Mortgage Advisor
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Anthony Cesarini
Anthony Cesarini
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