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Mortgage Market Update
My Mortgage Company
Lexi Blackwell
Friday, November 6, 2026
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Does your mortgage still fit your life? |
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Life looks different than it did when you first bought. Your mortgage might be ready for an update.
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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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Loan Programs
Does your loan match your life right now?
When you first got your mortgage, it made sense for where you were. But life changes—jobs shift, family grows, financial priorities evolve. The loan that worked five years ago might not be your best fit today. Maybe you'd benefit from a different term length, or a program that rewards disciplined borrowers, or something that gives you more flexibility. The good news: you don't have to live with a loan that no longer serves you well. It's worth a conversation about what's available now and whether a change could align better with how you actually live. Let's talk about whether your mortgage is still working as hard for you as it should be. Reach out and let's review whether your current loan is still the right match for your 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
Lexi Blackwell
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