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Mortgage Market Update
Ashley Zierer
Ashley Zierer
Thursday, August 20, 2026
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Does refinancing make sense for you? |
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Hi there. This week I want to tackle a question I hear often from homeowners: should I refinance?
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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 Basics
When a refi actually makes sense
I talk to homeowners all the time who wonder if refinancing is worth the effort. The truth is, it depends on your situation—your current rate, how long you plan to stay in the home, and what you'd pay to refinance. Sometimes the math works out beautifully. Other times, you're better off staying put. The key is looking at your full picture, not just chasing the headline. If you've been curious whether refinancing could work for you, I'm happy to walk through the numbers and help you see clearly whether it makes sense right now. Let's talk through your options whenever you're ready.
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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 Ashley Zierer team any time and we'll walk you through your options. |
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Your Mortgage Advisor
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Ashley Zierer
Ashley Zierer
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