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Mortgage Market Update
Kevin Dull
KD The Broker (powered by Edge Home Finance)
Thursday, August 20, 2026
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More loan options than you realize |
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Hi there. This week I want to talk about something that often gets overlooked: the different paths available to you when you're borrowing for a home.
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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
Your loan options are wider than you think
When you're ready to buy or refinance, the loan program you choose shapes everything—your rate, your monthly payment, how much you can borrow, and what flexibility you have down the road. Most borrowers know about conventional loans and FHA, but there are other paths that might fit your situation better. Whether you're self-employed, have a non-traditional credit history, are a first-time buyer, a veteran, or have a specific financial goal, there's often a program designed with you in mind. The key is knowing which one makes sense for your numbers and your timeline. I'd love to walk you through what's available and see which option works best for your goals.
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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 Kevin Dull team any time and we'll walk you through your options. |
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4487 Bobwhite Trace
6146658801 | www.kdthebroker.com
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