Friday, October 30, 2026

These are national mortgage index rates as of October 29, 2026. The 30-year fixed is at 7.15% — down 0.10% from last week, FHA at 7.04%, and VA at 6.79%. For exact rates tailored to your buyers, reach out to your loan officer directly.

Source: Optimal Blue daily mortgage indices via FRED

From Your Lending Partner

One Credit Conversation Could Unlock a Better Rate for Your Buyer

I run credit analysis on every buyer I work with — not just to check the score, but to find opportunities. A 679 qualifying as 680 is the difference between conventional and a better rate tier. A single collection paid off can move a score 20 points in 30 days. A credit card utilization drop from 80% to 29% can move it even faster. I use a tool called rapid rescore that lets me model changes before we make them, so the buyer knows exactly what to do and what the payoff looks like before we act. This matters enormously for your buyers who are sitting on the fence or were told their rate was higher than expected. I've helped buyers improve their rate tier — and save $150–$300 per month — with two weeks of focused credit work before their loan closed. The earlier in the process we have this conversation, the more we can do. Even if your buyer is months from buying, send them to me for a credit review now. It costs nothing and could change everything.

Send your buyer for a free credit review — I'll show them exactly what to do to improve.

Did You Know?

VA Jumbo Loans

Veterans can buy above conforming limits with zero down.

Veterans with full entitlement can use VA financing above the conforming loan limit with zero down — a benefit most don't know they have. No loan ceiling on zero-down VA for eligible borrowers.

Share With Your Buyers

Making a Competitive Offer

Tip of the Week

Refinancing resets your amortization clock. If you're 10 years into a 30-year loan, consider a shorter term to avoid paying more total interest.

Your Mortgage Advisor