Thursday, September 17, 2026

A Note From Joseph Brown

Weekly Market Update

Hello,

Welcome to this week's Mortgage Market Update!

Whether you're thinking about buying a home, refinancing, or simply keeping an eye on the market, staying informed can help you make better financial decisions.

This week, we're watching:

Current mortgage rate trends
Housing market activity
Economic news that may impact interest rates
Opportunities for first-time homebuyers and move-up buyers
Available down payment assistance programs

Mortgage rates can change daily, and even small movements can affect your purchasing power and monthly payment. If you're considering buying a home in the coming months, now is a great time to review your options and develop a strategy.

If you have questions about financing, credit improvement, down payment assistance, FHA, VA, Conventional, DSCR, or other loan programs, I'm here to help.

Feel free to reach out for a personalized mortgage review or pre-approval consultation.

Have a great week!

Joseph C. Brown
Mortgage Loan Originator
Empire Financial Group
Phone: 786-342-8999
Email: jbrown@mpirefi.com

Mortgage Market Update

A quick rate check could save you $50+/month

Rates shifted again this week, and small moves can make a real difference on your payment. Here's what it means for you.

National Mortgage Rates · September 10, 2026

Conventional 30-Year

6.76%

FHA 30-Year

6.82%

VA 30-Year

6.71%

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.

Check My Rate →

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.

Want to see what today's rates mean for your payment? Let's run the numbers together.

Tip of the Week

Replace weatherstripping around exterior doors every few years. It's one of the cheapest ways to improve energy efficiency.

Tips for Homeowners

USDA Loans: A Zero-Down Option for Rural Buyers

1.	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.

2.	USDA loans have income limits — typically 115% of the area median income. Both the property location and borrower income must qualify.

3.	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.

Have questions about how any of this affects your mortgage or home purchase? We're here to help — reach out to the Joseph Brown team any time and we'll walk you through your options.

Book a Call

Your Mortgage Advisor

Joseph Brown

Mpire Financial

jbrown@mpirefi.com

Mpire Financial · Unsubscribe