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Actualización del mercado hipotecario
Melissa Leon Diaz
Melissa Leon Diaz
jueves, 20 de agosto de 2026
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Should you refinance your mortgage? |
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Hi there. This week I want to cover a question I hear often: when is refinancing actually worth it?
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Tasas hipotecarias nacionales · 13 de agosto de 2026
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Fuente: Freddie Mac PMMS y Optimal Blue vía FRED
Las tasas mostradas son promedios nacionales y se ofrecen solo con fines informativos. Las tasas reales varían según el perfil crediticio, el monto del préstamo y las condiciones del mercado. Contáctenos para una cotización personalizada.
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Refinancing Basics
When refinancing makes sense for your situation
Refinancing isn't a one-size-fits-all move—it works best when your personal circumstances or market conditions align with your goals. Some people refinance to lower their monthly payment, others to shorten their loan term or tap into home equity for a major expense. The catch is that refinancing involves closing costs and a new application process, so it only pencils out if the benefit outweighs what you'll spend. That's why it pays to look at your specific numbers: how long you plan to stay in the home, what your current loan terms are, and where rates stand today. I'm happy to walk through whether refinancing could work for you. If you're curious whether refinancing makes sense, let's talk through your options.
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Consejo de la semana
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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Consejos para propietarios
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 Melissa Leon Diaz team any time and we'll walk you through your options. |
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