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Mortgage Market Update
My Mortgage Company
Nicola Josephine McCloskey-Kieff
Thursday, September 17, 2026
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Life changed? Your mortgage options might have too |
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Hi there. A lot can shift in your financial life—sometimes in ways that affect what you're paying on your home. This week, I wanted to remind you that a conversation with me costs nothing and might surprise 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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Affordability Check
When your budget changes, your loan might too
Life happens—a job change, a new family member, unexpected expenses. When your financial picture shifts, it's worth asking whether your current mortgage still makes sense for you. Maybe a different loan program would lower your payment. Maybe your increased equity opens a door you didn't have before. Maybe it's just the right time to talk through your options without any pressure. I find that borrowers who check in during a life change often discover something useful, whether it's a refinance opportunity or simply the peace of mind that comes from knowing where you actually stand. There's no cost to explore what might work better for your situation. Let's grab 15 minutes to walk through where you are now and what could be possible.
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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
Nicola Josephine McCloskey-Kieff
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