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Mortgage Market Update
My Mortgage Company
Thomas Von Der Ahe
Thursday, September 17, 2026
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Fixed or adjustable rate—which fits you? |
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Hi there. One of the most important mortgage decisions isn't about price—it's about structure.
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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
Fixed vs. adjustable: which loan fits your plan?
When you're shopping for a mortgage, one of the biggest choices is whether to lock in a fixed rate for the life of your loan or start with a lower adjustable rate that can change over time. A fixed rate gives you predictability—your payment stays the same month after month, year after year. An adjustable rate often starts lower, which can mean smaller payments early on, but it carries the risk that your payment will increase when the rate adjusts. The right choice depends on how long you plan to stay in your home, your comfort with payment uncertainty, and your overall financial situation. Neither is inherently better; it's about what matches your goals and peace of mind. I'd love to walk you through both options and help you understand which makes sense for your circumstances. Let's talk through your loan options—reach out anytime.
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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
Thomas Von Der Ahe
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