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Mortgage Market Update
Jeff Naylor
Naylor Home Loans powered by Barrett Financial Group
Thursday, September 17, 2026
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The Fed rate-hike cycle has started. What’s next? |
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Welcome to your mortgage market update from Jeff Naylor for Thursday, September 17, 2026. This week we've rounded up the latest news from HousingWire and Mortgage News Daily so you have everything you need in one place. Read on for the stories that matter most to homebuyers and homeowners right now.
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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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Rate Watch
What This Week's Rate Movement Means for Your Payment
Mortgage rates move a little almost every week, and small shifts add up to real dollars on your monthly payment. On a typical loan, even a quarter-point change can mean $50 or more a month — money that's better in your pocket. The good news: you don't have to time the market perfectly. What matters most is being ready, with your credit in good shape and your documents handy, so when a window opens we can move quickly. If you bought or refinanced in the last couple of years, it's worth a five-minute check to see whether today's rates could lower your payment. There's no obligation and no cost to run the numbers — just clarity on where you stand.
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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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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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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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HousingWire
Key factors for mortgage rates will be the Iran conflict and trade war, not just the economy
| Key takeaway: Key factors for mortgage rates will be the Iran conflict and trade war, not just the economy |
Read full article →
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Mortgage News Daily
Existing-home sales slipped in August, falling below the 4 million annualized pace for the first time since June 2025, while a sharp increase in inventory gave buyers more options and pushed the supply of homes to its highest level in more than a decade. The National Association of REALTORS® reported a 2.0% decline in sales from July to a seasonally adjusted annual rate of 3.98 million , while sal
| Key takeaway: Existing-home sales slipped in August, falling below the 4 million annualized pace for the first time since June 2025, while a sharp increase in inventory gave buyers more options and pushed the supply of homes to its highest level in more than a decade. |
Read full article →
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HousingWire
New listings and pending sales can offer an early look at whether buyer demand is losing ground
| Key takeaway: New listings and pending sales can offer an early look at whether buyer demand is losing ground |
Read full article →
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Mortgage News Daily
The new home market struggled to maintain the momentum seen in June, with sales falling sharply in July and inventory moving higher. The latest Census Bureau and HUD figures point to another month of uneven activity for builders, as buyers continue to contend with affordability constraints and elevated mortgage rates. Sales of new single-family homes fell to a seasonally adjusted annual rate of 60
| Key takeaway: The new home market struggled to maintain the momentum seen in June, with sales falling sharply in July and inventory moving higher. |
Read full article →
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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 Jeff Naylor team any time and we'll walk you through your options. |
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4800 NW Camas Meadows Drive Ste 260, Camas, WA 98607
503-358-6551 | www.naylorhomeloans.com
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