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Mortgage Market Update
April Brock
April Brock
Wednesday, October 21, 2026
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Your mortgage options, explained |
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Hello! I wanted to touch base about something that doesn't always get enough attention. Understanding your loan choices can make a real difference in your financial life.
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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 Programs
Not all mortgages work the same way
I talk to homeowners all the time who don't realize they might have other borrowing options available to them. Whether you're buying, refinancing, or tapping into your home's value, the loan program you choose shapes your monthly payment, your timeline, and how much interest you'll pay over time. Fixed-rate mortgages, adjustable programs, cash-out refinances, home equity lines—they each solve different problems. What works perfectly for your neighbor might not be the best fit for your situation. That's why it's worth having a real conversation about what you're trying to accomplish. I'm here to walk through your options and help you understand which one actually makes sense. Let's talk about which loan program fits your goals.
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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 April Brock team any time and we'll walk you through your options. |
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