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Mortgage Market Update
Aaron Kozikowski
Thursday, September 3, 2026
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Different mortgages, different outcomes |
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Hi there. One of the biggest decisions in a mortgage isn't talked about enough—and it's not the rate.
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National Mortgage Rates · August 27, 2026
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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
Not all mortgages work the same way
When you're shopping for a mortgage or thinking about refinancing, it's easy to focus only on the interest rate. But the type of loan you choose—fixed-rate, adjustable-rate, or something in between—matters just as much to your long-term costs and peace of mind. A fixed rate locks in predictability. An ARM might start lower but can shift over time. Other programs offer flexibility or faster payoff paths. The right choice depends on your timeline, risk comfort, and how long you plan to stay in the home. I'd be happy to walk through what each option means for your situation. Let's talk through which loan type makes sense for you.
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Tip of the Week
Schedule a plumber to inspect older homes for slow leaks — water damage is expensive and often hidden until it's serious.
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Tips for Homeowners
Jumbo Loans: What They Are and How They Work
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1.
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A jumbo loan exceeds the conforming loan limit set by the FHFA — $766,550 in most areas for 2024, higher in designated high-cost markets. These loans can't be sold to Fannie Mae or Freddie Mac.
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2.
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Jumbo loans typically require stronger credit (often 700+), larger down payments (10–20%), and more cash reserves. Underwriting is more thorough and can take longer.
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3.
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Rates on jumbo loans are sometimes comparable to or even lower than conforming rates, depending on market conditions. Don't assume a jumbo loan means a worse deal — shop lenders.
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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 Aaron Kozikowski team any time and we'll walk you through your options. |
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