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Mortgage Market Update
My Mortgage Company
Eagle Star Mortgage Group
Wednesday, September 16, 2026
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What type of loan actually fits you |
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Not every borrower qualifies for—or needs—the same mortgage. This week, I want to talk about why that matters.
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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
The loan program that might fit your situation
Not all mortgages are created equal. Depending on where you are in your homeownership journey—whether you're buying for the first time, have a smaller down payment, are self-employed, or are looking to tap into your home's equity—different loan programs exist to make that possible. The right program for you depends on your specific circumstances, credit profile, and goals. Some borrowers benefit from programs designed for first-time buyers; others find better terms through options that require less down. The key is understanding which programs you actually qualify for and how they work. I'd love to walk you through your options and help you figure out which path makes the most sense for your situation. Let's talk about which loan program could work best for you.
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Tip of the Week
Gift funds from family can be used toward a down payment on most loan types — your lender will need a simple gift letter.
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Tips for Homeowners
VA Loans: Benefits Every Veteran Should Know
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1.
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VA loans require no down payment and no private mortgage insurance (PMI), making them one of the most powerful home-buying tools available to eligible veterans, active-duty service members, and surviving spouses.
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2.
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VA loans do require a funding fee (typically 1.25%–3.3% of the loan amount), which can be rolled into the loan. Veterans with a service-connected disability rating may be exempt from this fee.
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3.
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There's no VA loan limit for eligible borrowers with full entitlement — you can finance as much as a lender will approve. If you've had a prior VA loan, partial entitlement rules may apply.
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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
Eagle Star Mortgage Group
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