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Mortgage Market Update
April Brock
April Brock
Friday, November 6, 2026
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Finding the right mortgage for your life |
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Hi there. Not sure which type of mortgage makes the most sense? I hear that a lot, and it's worth getting clear on.
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National Mortgage Rates · November 4, 2026
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Conventional 30-Year
7.12%
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Source: Optimal Blue daily mortgage indices via FRED
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
Which mortgage program fits your situation?
Not all mortgages are the same, and the right choice depends on your goals and timeline. Some borrowers benefit from fixed-rate loans that lock in predictability. Others qualify for programs designed for first-time buyers, rural properties, or lower down payments. The fit matters because it affects your monthly payment, how long you carry the loan, and what happens if circumstances change. I'd rather help you understand your real options upfront than watch you regret a choice later. Let's talk about what makes sense for where you are right now. Reach out and we can walk through what programs you actually qualify for.
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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 April Brock team any time and we'll walk you through your options. |
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