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Mortgage Market Update
My Mortgage Company
Jeff McCarthy
Thursday, September 17, 2026
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Your payment history matters more than you think |
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Hello,
One of the most powerful things you control in homeownership isn't flashy—it's your consistency.
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National Mortgage Rates · September 10, 2026
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Conventional 30-Year
6.76%
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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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Smart Money Habits
How your payment habits affect your next move
The way you manage your current mortgage tells a story—one that lenders read carefully when you apply for anything from a refinance to a cash-out loan to a new purchase. Staying on top of payments, keeping your debt manageable, and avoiding late fees aren't just responsible habits; they're the foundation of better loan terms and more options down the road. If life has gotten messy with your finances, the good news is that lenders look at the whole picture, not just one snapshot. Sometimes a conversation about your situation can open doors you didn't know were there. If you're thinking about your next mortgage move, let's talk about where you stand today.
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Tip of the Week
Replace weatherstripping around exterior doors every few years. It's one of the cheapest ways to improve energy efficiency.
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Tips for Homeowners
USDA Loans: A Zero-Down Option for Rural Buyers
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1.
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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.
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2.
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USDA loans have income limits — typically 115% of the area median income. Both the property location and borrower income must qualify.
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3.
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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.
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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 My Mortgage Company team any time and we'll walk you through your options. |
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Your Mortgage Advisor
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My Mortgage Company
Jeff McCarthy
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