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A Note From Cory Hoag
Cory & Crew Updating You!
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THIS WEEK
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.
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RATE SNAPSHOT · September 10, 2026
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CONVENTIONAL 30-YR
6.76%
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FHA 30-YR
6.82%
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VA 30-YR
6.71%
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Source: Freddie Mac PMMS & Optimal Blue via FRED. National averages — informational only.
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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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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 Cory Hoag team any time and we'll walk you through your options.
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