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Mortgage Market Update
My Mortgage Company
Natalie Lenderman
Thursday, September 17, 2026
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Your finances may have changed more than you think |
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I work with homebuyers and homeowners who are often surprised by what they actually qualify for. This week, I want to talk about why a periodic check-in on affordability matters—and what can shift in your favor.
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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 your budget stretches further than you think
One thing I see often: people assume their buying power is fixed. The truth is, it can shift—sometimes significantly—without rates moving at all. A recent increase in income, paid-down debt, or even improved credit can open doors you thought were closed. The same goes for homeowners considering a cash-out refinance to fund a project or pay off high-interest debt. Your financial picture today isn't necessarily your picture from six months ago. That's why it's worth a real conversation about where you actually stand right now, not where you stood before. Small changes add up, and they might mean you have more options than you realize. Let's take a fresh look at what makes sense for your situation.
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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
Natalie Lenderman
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