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Mortgage Market Update
Denise Marquez
Denise Marquez
Wednesday, September 16, 2026
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The 4% Mortgage Is Back. Is It Keeping New-Home Prices From Fa... |
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Welcome to your mortgage market update from Denise Marquez for Wednesday, September 16, 2026. This week we've rounded up the latest news from Realtor.com so you have everything you need in one place. Read on for the stories that matter most to homebuyers and homeowners right now.
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National Mortgage Rates · September 10, 2026
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Conventional 30-Year
6.76%
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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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Rate Watch
What This Week's Rate Movement Means for Your Payment
Mortgage rates move a little almost every week, and small shifts add up to real dollars on your monthly payment. On a typical loan, even a quarter-point change can mean $50 or more a month — money that's better in your pocket. The good news: you don't have to time the market perfectly. What matters most is being ready, with your credit in good shape and your documents handy, so when a window opens we can move quickly. If you bought or refinanced in the last couple of years, it's worth a five-minute check to see whether today's rates could lower your payment. There's no obligation and no cost to run the numbers — just clarity on where you stand.
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Tip of the Week
Gift funds from family can be used toward a down payment on most loan types — your lender will need a simple gift letter.
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Tips for Homeowners
VA Loans: Benefits Every Veteran Should Know
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VA loans require no down payment and no private mortgage insurance (PMI), making them one of the most powerful home-buying tools available to eligible veterans, active-duty service members, and surviving spouses.
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VA loans do require a funding fee (typically 1.25%–3.3% of the loan amount), which can be rolled into the loan. Veterans with a service-connected disability rating may be exempt from this fee.
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There's no VA loan limit for eligible borrowers with full entitlement — you can finance as much as a lender will approve. If you've had a prior VA loan, partial entitlement rules may apply.
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Realtor.com
Builders are advertising mortgage rates near 4%, giving buyers more purchasing power—but raising new questions about prices and risk.
| Key takeaway: Builders are advertising mortgage rates near 4%, giving buyers more purchasing power—but raising new questions about prices and risk. |
Read full article →
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Realtor.com
Nancy vanished from her Arizona home in the early hours of Feb. 1; however, little information about her whereabouts have been revealed.
| Key takeaway: Nancy vanished from her Arizona home in the early hours of Feb. |
Read full article →
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Realtor.com
Heirs to homes with reverse mortgages can face a 30-day clock—and may need new financing to keep the family home.
| Key takeaway: Heirs to homes with reverse mortgages can face a 30-day clock—and may need new financing to keep the family home. |
Read full article →
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Realtor.com
Wasserman has found a buyer for his sprawling Los Angeles estate, selling the home for $18.5 million—after multiple price cuts.
| Key takeaway: Wasserman has found a buyer for his sprawling Los Angeles estate, selling the home for $18. |
Read full article →
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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 Denise Marquez team any time and we'll walk you through your options. |
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