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Mortgage Market Update
Aaron Kapp Kapp
Aaron Kapp
Thursday, August 20, 2026
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Your mortgage type matters more than you think |
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Hi there. This week I want to focus on something that shapes your monthly payment and long-term costs: the type of loan you have.
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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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Loan Programs
What your loan type says about your payment
Not all mortgages work the same way. Whether you have a fixed-rate loan, an adjustable-rate mortgage, or something in between, your loan structure directly affects what you pay each month and over time. Understanding what you're locked into—or what might adjust—helps you make smarter decisions about your home and your finances. If you're wondering whether your current loan is still the right fit, or if you're curious what options exist for your next move, I'm here to walk you through it. Let's talk about what makes sense for your situation. Reach out this week and we can review your loan details together.
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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 Aaron Kapp Kapp team any time and we'll walk you through your options. |
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