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Thursday, August 20, 2026 |
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A Note From Aaron Page
My Purpose is to provide....Low Rates, Expert Consultation, and a Simple Process. Share with someone who could use my help.
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Mortgage Market Update
Should you refinance right now?
Not every homeowner should refinance, and not every rate move triggers a decision. This week, I want to walk you through the actual logic behind a smart refi move.
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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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Refinancing Strategy
When refinancing makes sense—and when it doesn't
Refinancing can be a smart move, but it's not automatic. The math works best when you plan to stay in your home long enough to recoup closing costs through lower payments. It also works well if rates have dropped meaningfully since you borrowed, or if you want to shorten your loan term without stretching your budget. On the flip side, refinancing doesn't make sense for every situation—especially if you're selling soon or if your credit has changed. The key is running real numbers on your specific loan, not just hearing that rates moved. I can show you exactly when the payoff kicks in and whether a refi aligns with your timeline and goals. Let's talk through whether refinancing is the right next step for you.
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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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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 Aaron Page team any time and we'll walk you through your options.
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512.924.3138
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