Melanie Hadley Lending Team · October 21, 2026

There's probably a loan made for you

 

Wednesday, October 21, 2026

Mortgage Market Update

There's probably a loan made for you

Hi there. This week I want to talk about something I wish more people knew about: the variety of loan programs out there.

National Mortgage Rates · October 20, 2026

Conventional 30-Year

7.33%

FHA 30-Year

7.13%

VA 30-Year

6.95%

Rate trend

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.

Loan Programs

Loans designed for people like you

When you're shopping for a mortgage, it's easy to think all loans work the same way. They don't. Different programs exist for different situations—whether you're a first-time buyer, self-employed, looking to put down less, or rebuilding your credit. The right loan can make homeownership accessible when you might have thought it wasn't. I spend a lot of time matching borrowers with the program that actually fits their life, not forcing them into a one-size-fits-all mold. If you've been told no before, or you're just curious what options might be available to you, I'd like to walk through them.

Let's talk about which loan program makes sense for your situation.

Tip of the Week

Your loan officer can run a credit simulator to show exactly which actions will move your score the most.

Tips for Homeowners

Year-End Tax & Mortgage Planning

1.

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).

2.

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.

3.

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.

Have questions about how any of this affects your mortgage or home purchase? We're here to help — reach out to the Melanie Hadley Lending Team team any time and we'll walk you through your options.

Signature

Your Mortgage Advisor

M

Melanie Hadley Lending Team

Melanie Hadley Lending Team

melanie@melaniehadley.com

(512) 799-8117

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(512) 799-8117

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