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Mortgage Market Update
My Mortgage Company
Oltin Roshi
Thursday, September 17, 2026
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Which mortgage type is best for you? |
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Hi there. This week I want to talk about something that doesn't get enough attention: the loan itself, and whether yours is actually built for your life.
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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
What loan type is right for your situation?
Not all mortgages are the same, and the right loan for your neighbor might not be the right loan for you. Some borrowers benefit from fixed rates that lock in predictability. Others have flexibility with their timeline or income and can take advantage of different structures. If you're buying for the first time, refinancing, or just curious whether your current loan is still the best fit, it's worth understanding what's actually available to you — not just what you've already got. I'd love to walk through your options without any pressure. Sometimes a small change in loan type can make a meaningful difference in your monthly payment or long-term costs. Let's talk about which loan program makes the most sense for where you are right now.
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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
Oltin Roshi
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