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Mortgage Market Update
My Mortgage Company
Tailored Lending Capital
Friday, November 6, 2026
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Has your financial picture changed since you bought? |
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Hi there. It's easy to set your mortgage and forget about it—but your life rarely stays the same.
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National Mortgage Rates · November 5, 2026
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Conventional 30-Year
7.18%
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Source: Optimal Blue daily mortgage indices via FRED · 30-yr: Freddie Mac weekly survey
Rates shown are national mortgage index rates 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
Your budget might be healthier than you think
One thing I see often: people assume their mortgage payment is fixed in stone, but life changes. A job bump, a lower rate environment, or even paying down other debts can shift what you can comfortably afford—or what you could have afforded when you first bought. If your financial picture has improved since you got your loan, it might be worth a conversation. We can walk through where you stand, whether refinancing makes sense, or even if staying put is smarter for your goals. There's no obligation; it's just a reality check on your own terms. Reach out if you'd like to talk through where you stand today.
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Tip of the Week
Closing costs typically run 2-5% of the loan amount. Ask your lender for a Loan Estimate so there are no surprises.
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Tips for Homeowners
Protecting Yourself from Mortgage Scams
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1.
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Wire fraud is one of the fastest-growing real estate scams. Never wire closing funds based solely on email instructions — always verify account numbers by calling your title company at a number you look up yourself.
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2.
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Loan modification and foreclosure rescue scams target homeowners in distress. Legitimate help is available free through HUD-approved counseling agencies at 800-569-4287.
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3.
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Be wary of unsolicited offers to refinance or cash out equity at terms that sound unusually favorable. If someone contacts you out of the blue, verify their NMLS license number at nmlsconsumeraccess.org.
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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
Tailored Lending Capital
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