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Mortgage Market Update
Joe Almeida
Joe Almeida
Thursday, August 20, 2026
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What's changed for you since we last talked? |
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I work with homeowners in every situation, and one thing I notice is that people often don't realize how much their circumstances — and their options — can shift over time.
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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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Smart Money
Why now is the time to talk about your options
Life changes. Maybe your income has grown, your credit improved, or your home's value shifted. Or maybe you're just ready to explore what's possible. The truth is, your loan situation isn't set in stone — there are often smart moves available to homeowners who take a closer look. Whether that's refinancing to a better rate, tapping into equity for a major project, or simply understanding your next steps, the conversation costs nothing. I'd rather you know what's available than wonder later if you missed an opportunity. If you'd like to review where you stand and what might make sense, I'm here to walk through it with you — no pressure, just honest guidance.
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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 Joe Almeida team any time and we'll walk you through your options. |
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