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Mortgage Market Update
My Mortgage Company
Jimmy Everetts
Friday, November 6, 2026
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Your finances have changed—has your mortgage? |
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Hi there. I wanted to check in on something that comes up more often than people realize: life moves forward, and sometimes our financial picture changes in ways that open up new opportunities.
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National Mortgage Rates · November 4, 2026
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Conventional 30-Year
7.12%
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Source: Optimal Blue daily mortgage indices via FRED
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
When your budget shifts, your mortgage options might too
Life changes fast. A job transition, a raise, a change in family size—these things affect what you can comfortably afford. If your financial picture has shifted since you first got your mortgage, it's worth knowing what that means for your options. Maybe a refinance makes sense now when it didn't before. Maybe you're ready to move and want to understand what you qualify for. Or maybe you're in a good spot and just want to make sure you're still in the right loan. The point is, your situation today isn't frozen. When circumstances change, the right move often becomes clearer. I'd be happy to take a fresh look at where you stand and talk through what's possible. Let's schedule a quick conversation about your current situation.
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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
Jimmy Everetts
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