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Mortgage Market Update
My Mortgage Company
TEST SUB
Thursday, September 17, 2026
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Which loan type is best for your situation? |
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Every borrower's situation is different, and there's no one-size-fits-all mortgage. This week, let's talk about how to find the loan program that actually works for you.
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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 Program Fit
The right loan type makes all the difference
Not all mortgages work the same way, and choosing the wrong one can cost you thousands over time. Some borrowers do better with a fixed rate that never changes. Others benefit from adjustable programs if they plan to move or refinance down the road. And if you're a first-time buyer or have less-than-perfect credit, there are programs designed specifically for your situation. The key is matching the loan to your actual plans and comfort level—not just picking whatever sounds familiar. I've seen borrowers save real money (and sleep better at night) simply by understanding which program actually fits their life. Let's talk about what makes sense for you. Reach out and we can walk through your options together.
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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
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