Mpire Paid Workflows · September 17, 2026

What type of loan makes sense for you?

Mortgage Market Update

My Mortgage Company

Mpire Paid Workflows

Thursday, September 17, 2026

What type of loan makes sense for you?

Hi there. This week I want to talk about something that doesn't get enough attention: the loan program itself.

National Mortgage Rates · September 10, 2026

Conventional 30-Year

6.76%

FHA 30-Year

6.82%

VA 30-Year

6.71%
Rate trend

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.

Loan Programs

Which loan type fits your situation?

Not all mortgages are created equal, and the right one depends on your goals, timeline, and financial picture. Some borrowers benefit from fixed-rate loans that lock in predictability for decades. Others find adjustable-rate or shorter-term options work better if they plan to move or refinance down the road. Then there are specialized programs—FHA, VA, USDA, jumbo loans—each with their own strengths. The program you choose affects not just your rate, but your down payment requirements, flexibility, and long-term costs. If you're unsure which direction makes sense for you, I'd love to walk through your specific situation and show you what's actually available. There's no one-size-fits-all answer, but there's definitely a right fit for you.

Let's talk about which loan program matches your needs.

Tip of the Week

Replace weatherstripping around exterior doors every few years. It's one of the cheapest ways to improve energy efficiency.

Tips for Homeowners

USDA Loans: A Zero-Down Option for Rural Buyers

1.

USDA loans offer 100% financing (no down payment) for eligible properties in USDA-designated rural and suburban areas. The USDA's eligibility map may include areas closer to cities than you'd expect.

2.

USDA loans have income limits — typically 115% of the area median income. Both the property location and borrower income must qualify.

3.

There's an upfront guarantee fee (1% of the loan) and an annual fee (0.35% of the balance). These are lower than FHA mortgage insurance and can be rolled into the loan.

Have questions about how any of this affects your mortgage or home purchase? We're here to help — reach out to the My Mortgage Company team any time and we'll walk you through your options.

Your Mortgage Advisor

M

My Mortgage Company

Mpire Paid Workflows

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