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Tuesday, October 20, 2026 |
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A Note From Aaron Page
My Purpose is to provide....Low Rates, Expert Consultation, and a Simple Process. Share with someone who could use my help.
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Mortgage Market Update
Fixed rate means your payment won't budge
One of the things I love about fixed-rate mortgages is their predictability. Here's why that matters to you.
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National Mortgage Rates · October 29, 2026
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Conventional 30-Year
6.77%
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Source: Optimal Blue daily mortgage indices via FRED · Includes our pricing adjustment
Rates shown are national mortgage index rates plus our pricing adjustment, 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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Mortgage Basics
Why your payment stays the same (even when rates don't)
One of the most common questions I hear is: if rates move, does my monthly payment change? The answer depends on what kind of loan you have. If you have a fixed-rate mortgage, your payment is locked in for the life of the loan—rate changes in the market don't affect you. But if you're considering an adjustable-rate loan, or wondering whether to lock in a rate now, it helps to understand how rate movements translate to your wallet. That's where talking through your options makes sense. I can walk you through what different rate scenarios mean for your specific situation. Let's talk about which loan structure makes the most sense for your goals.
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Tip of the Week
Your loan officer can run a credit simulator to show exactly which actions will move your score the most.
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Tips for Homeowners
Year-End Tax & Mortgage Planning
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1.
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Consider making your January mortgage payment in December to get an extra month of deductible interest in the current tax year (consult your tax advisor first).
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2.
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If you plan to sell next year, now is a good time to document improvements — receipts and records add to your cost basis and reduce taxable capital gain at sale.
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3.
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Review your W-4 withholding if you bought a home this year — your mortgage interest deduction may mean you're having too much withheld from each paycheck.
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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 Page team any time and we'll walk you through your options.
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512.924.3138
Texas Mortgage Associates · Unsubscribe
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