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Mortgage Market Update
Christina Maciejewski
Christina Maciejewski
Thursday, September 3, 2026
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When life changes, your options do too |
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Hi there. Sometimes the smartest mortgage move isn't about rates or timing—it's about adapting to where you are right now.
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National Mortgage Rates · August 27, 2026
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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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Affordability
When your budget changes, your mortgage might too
Life happens—you get a raise, lose income, inherit money, or face unexpected expenses. Your mortgage doesn't have to stay the same forever. Whether you're curious about adjusting your loan term, exploring a cash-out refinance to consolidate debt, or just wondering if your current payment still fits your budget, it's worth a conversation. I help borrowers understand their options when circumstances shift, so you're not stuck with a payment that no longer works. The right move depends entirely on your situation. If anything in your financial picture has changed lately, let's talk through what makes sense.
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Tip of the Week
Schedule a plumber to inspect older homes for slow leaks — water damage is expensive and often hidden until it's serious.
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Tips for Homeowners
Jumbo Loans: What They Are and How They Work
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1.
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A jumbo loan exceeds the conforming loan limit set by the FHFA — $766,550 in most areas for 2024, higher in designated high-cost markets. These loans can't be sold to Fannie Mae or Freddie Mac.
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2.
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Jumbo loans typically require stronger credit (often 700+), larger down payments (10–20%), and more cash reserves. Underwriting is more thorough and can take longer.
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3.
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Rates on jumbo loans are sometimes comparable to or even lower than conforming rates, depending on market conditions. Don't assume a jumbo loan means a worse deal — shop lenders.
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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 Christina Maciejewski team any time and we'll walk you through your options. |
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