|
Mortgage Market Update
Aaron Kapp
Aaron Kapp
Wednesday, October 21, 2026
|
Which loan type fits your situation |
|
Hi there. Every mortgage is not created equal, and the type you choose matters way more than most people realize.
|
|
National Mortgage Rates · October 20, 2026
|
Conventional 30-Year
7.33%
|
|
| |
|
%22%2C%22fill%22%3Atrue%2C%22tension%22%3A0.4%2C%22pointRadius%22%3A4%2C%22pointBackgroundColor%22%3A%22%233b5bdb%22%2C%22borderWidth%22%3A2%7D%5D%7D%2C%22options%22%3A%7B%22plugins%22%3A%7B%22legend%22%3A%7B%22display%22%3Afalse%7D%7D%2C%22scales%22%3A%7B%22y%22%3A%7B%22ticks%22%3A%7B%22callback%22%3A%22function(v)%7Breturn%20v%2B%5C%22%25%5C%22%7D%22%2C%22color%22%3A%22%23666%22%7D%2C%22grid%22%3A%7B%22color%22%3A%22rgba(0%2C0%2C0%2C0.06)%22%7D%7D%2C%22x%22%3A%7B%22grid%22%3A%7B%22display%22%3Afalse%7D%2C%22ticks%22%3A%7B%22font%22%3A%7B%22size%22%3A11%7D%2C%22color%22%3A%22%23666%22%7D%7D%7D%7D%7D&w=520&h=180&bkg=white&f=12) |
|
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
Not all mortgages work the same way
When you're shopping for a mortgage, the type of loan you choose shapes your entire financial picture—not just your rate, but how your payment works, what flexibility you have, and what happens if rates change. A fixed-rate mortgage keeps your payment stable for the life of the loan. An adjustable-rate mortgage might start lower but can shift over time. Government-backed loans like FHA or VA loans have their own rules and benefits. Each one serves different goals and different borrowers. The right choice depends on how long you plan to stay in your home, how comfortable you are with payment changes, and what your finances look like today. I'd love to walk you through which option makes sense for your situation. Let's talk about which loan program fits your goals best.
|
|
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 Aaron Kapp team any time and we'll walk you through your options. |
|
|
You are receiving this from Aaron Kapp. Unsubscribe
|