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Mortgage Market Update
My Mortgage Company
Lacie Anvik
Wednesday, September 16, 2026
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Your loan program matters more than you think |
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Hi there. This week I want to cover something that often gets overlooked when people are focused on rates and payments—and it really shouldn't.
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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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Loan Programs
Not all mortgages work the same way
When you're shopping for a home or thinking about refinancing, the interest rate gets most of the attention—but the loan program you choose matters just as much. Different programs have different rules about down payments, credit requirements, how long you have to pay back the loan, and what happens if rates move. A program that's perfect for one borrower might not be right for another. Understanding your options helps you pick the one that actually fits your financial life, not just the one with the lowest headline number. I'd love to walk you through what's available and what might make sense for your situation. Let's talk about which loan program could work best for you.
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Tip of the Week
Gift funds from family can be used toward a down payment on most loan types — your lender will need a simple gift letter.
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Tips for Homeowners
VA Loans: Benefits Every Veteran Should Know
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1.
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VA loans require no down payment and no private mortgage insurance (PMI), making them one of the most powerful home-buying tools available to eligible veterans, active-duty service members, and surviving spouses.
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2.
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VA loans do require a funding fee (typically 1.25%–3.3% of the loan amount), which can be rolled into the loan. Veterans with a service-connected disability rating may be exempt from this fee.
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3.
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There's no VA loan limit for eligible borrowers with full entitlement — you can finance as much as a lender will approve. If you've had a prior VA loan, partial entitlement rules may apply.
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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
Lacie Anvik
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