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Mortgage Market Update
My Mortgage Company
Paulina Baque Ramos
Thursday, September 17, 2026
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A rate shift and what it means for you |
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Hi there. Every week brings movement in the mortgage market, and I wanted to touch base about what that might mean for your plans.
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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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Affordability Check
When a rate move actually changes your options
Rate changes ripple through your finances in ways that aren't always obvious. A shift of even a few basis points can affect how much house you can afford, whether a refinance pencils out, or whether waiting makes more sense than acting now. The key is understanding how your own situation connects to what's happening in the market—not getting caught up in the headline news. If you've been on the fence about a purchase or a refi, or if your circumstances have changed since we last talked, it's worth a fresh conversation. I can walk you through what the current environment means for your specific goals. Let's talk about whether now is the right time for your next move.
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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
Paulina Baque Ramos
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