Melissa Leon Diaz · November 6, 2026

Your mortgage has options—which fits you best?

Melissa Leon Diaz

Actualización del mercado hipotecario

Melissa Leon Diaz

Melissa Leon Diaz

viernes, 6 de noviembre de 2026

Your mortgage has options—which fits you best?

Every borrower's path looks a little different. This week, let's talk about choosing the mortgage program that works for your life.

Tasas hipotecarias nacionales · 5 de noviembre de 2026

Convencional a 30 años

7.18%

FHA a 30 años

6.90%

VA a 30 años

6.76%

Rate trend

Fuente: índices hipotecarios diarios de Optimal Blue vía FRED · 30 años: encuesta semanal de Freddie Mac

Las tasas mostradas son tasas de índices hipotecarios nacionales y se ofrecen solo con fines informativos. Las tasas reales varían según el perfil crediticio, el monto del préstamo y las condiciones del mercado. Contáctenos para una cotización personalizada.


Loan Programs

Which mortgage program is right for your situation?

Not all mortgages are created equal, and the right loan for your neighbor might not be the right loan for you. Fixed-rate mortgages lock in stability. Adjustable-rate loans can offer lower initial payments. FHA, VA, and conventional programs each have different rules around down payments, credit requirements, and what they allow you to borrow. First-time buyers, move-up buyers, and refinancing homeowners often qualify for different options. Understanding which program fits your goals, timeline, and finances is a conversation worth having. I'm here to walk through your choices without pressure—just clarity. Let's talk about what makes sense for where you are right now.

Reach out and we can explore which loan program aligns best with your situation.

Consejo de la semana

Closing costs typically run 2-5% of the loan amount. Ask your lender for a Loan Estimate so there are no surprises.

Consejos para propietarios

Protecting Yourself from Mortgage Scams

1.

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.

2.

Loan modification and foreclosure rescue scams target homeowners in distress. Legitimate help is available free through HUD-approved counseling agencies at 800-569-4287.

3.

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.

Have questions about how any of this affects your mortgage or home purchase? We're here to help — reach out to the Melissa Leon Diaz team any time and we'll walk you through your options.

Su asesor hipotecario

Melissa Leon Diaz

Melissa Leon Diaz

Melissa Leon Diaz

melissa@homepluscapital.com

3057136234

f
ig

1700 sw 57th ave suite 205 miami fl 33155

3057136234

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